A health insurance policy can be of great help in case you or your loved ones require hospitalization due to some illness or accident. The coverage can help you arrange funds quickly without much financial distress. However, you also have to be aware of the process to file for compensation using health insurance claim forms. This article helps you understand the same with the help of an easy guide.

To file your health insurance claim, you must submit a document called the health insurance claim form along with other paperwork, such as hospital bills. This claim form has all your basic details as well as information about the treatment you underwent. Once you submit this health insurance claim form, the insurer will review it and decide on whether your claim is valid.

You can find a health insurance claim form either at a hospital TPA desk or print a copy from your health insurance provider’s official website. Once you have procured a hard copy of the form, you can fill in the required details and attach the necessary documents. You can then hand in the duly signed form to your health insurance provider. Before filling out the form, make sure you have the following details:

• Insurance group number and member number.

• Name of the person who received the services.

• If coinsurance or dual coverage is offered by the plan.

• Cause for visiting the hospital.

You can follow the steps given below to successfully fill your health insurance claim form:

1. Find the required documents: For cashless claims, you need to speak to the TPA at the hospital. They will tell you what identification documents you need to submit at the initial stage post which they will directly handle bills. In case of reimbursement claims, you need to provide consultation documents, receipts, invoices, medical bills, etc. You can refer to your policy, or contact your insurer, to understand what documents would be required precisely.

2. Fill out the form: As mentioned above, print your form and fill in the details required, such as your name, policy number, etc. You can get a hard copy of the form at a hospital desk or find a soft copy on your insurer’s official website and take a printout.

3. Take a copy: After filling out and signing the form and attaching all the required documents, you should try to make copies of the forms for a smooth claim settlement process. Plus, it also serves as a backup if you lose your documents.

4. Review and submit: Finally, cross–check your documents and go over the details entered. Once done, you can send your documents to the health insurance provider and wait for the settlement process to conclude.

Now that you know how to fill and submit a health insurance claim form, make sure that you do so in a timely manner to receive the settlements due to you. Remember to keep your coverage renewed so that you are financially protected during an illness.