Health insurance plans can be extremely helpful in medical emergencies and are also known as mediclaim. However, the insurance jargon can be a bit confusing sometimes. But in order to enjoy the benefits of your insurance policy, it is essential to understand certain terms. CCN number is a good example of insurance jargon.
Are you wondering what is CCN in healthcare? In simple terms, it is a unique identifier for insurance claims; keep reading to learn more.
Know the Purpose of CCN Number in MediclaimClaim Communication Number (CCN) serves as an insurance claim identifier. Insurance providers assign a unique identifier for each claim made by policyholders to easily track the process and settle the claims without any discrepancy.
Usually, when you make a legitimate claim request through the claim form, a unique CCN number is allocated to that request as an acknowledgement of receiving the request. It is a significant number that streamlines and speeds up the claim settlement process.
How to Get CCN Number?You can get the CCN medicare number through the following ways:
When you raise a claim, the insurance providers usually share details related to your claim, including the CCN number, in emails or messages.
Insurance providers share claim-related details in physical copies of the claim documents with policyholders. This is because the process of raising a claim usually involves depositing physical copies of supporting documents and claim form. The CCN number is usually written on the top of the claim form, or the reimbursement receipt shared by your insurer.
Many insurance providers enable policyholders to track their claim status through the official website. You can go to the insurer’s website and enter details like your policy type and policy number to know about your claim status and CCN number.
Many insurance providers have a dedicated mobile app for their policyholders to access policy documents and check the status of their claim among other things. You can log in to the mobile app to find out your CCN number for the recent claims.
If you are facing difficulties in finding the correct CCN number through the methods mentioned above, you can connect with the customer care of your insurer and ask them to help you find the CCN number.
You can expect to get your CCN number after raising a claim with your insurance provider. Start by filling out the claim form carefully and submit it with necessary documents; some insurance providers may accept digital copies of your documents through their website or mobile app. Once the insurer has thoroughly checked your claim request, they will assign you a CCN number for that request. This number can be used to track the status of your claim. Please ensure that you file your claim request in a timely manner to avoid getting your claim rejected or a delay in receiving the CCN number.
When Can You Expect to Get Your CCN Number?The insurance provider usually allots a unique CCN number to your claim request after verifying the claim form and supporting documents, like proof of identity, hospital bills, consultation receipts from the clinic, and other medical bills. They may also share a CCN number just after receiving the claim form.
Importance of CCN Number in MediclaimJust like your policy number helps retrieve relevant information about your insurance plan, CCN number helps retrieve information about a particular claim request. It can be helpful in the following ways:
Now you are aware about the importance of knowing the correct CCN number in mediclaim, you can easily track the status of your claims without getting confused. The best insurance providers ensure proper and timely communication for their policyholders and make the process quick and as hassle-free as possible.
If you are thinking about investing in health insurance or wanting to trade your current plan for better facilities, consider health insurance plans by SBI General. Use our user-friendly health insurance calculator to know your tentative premium rates.
FAQ’sClaim Communication Number (CCN) is a unique identifier that your insurance provider assigns to each claim request to streamline the settlement process.
2. Why do I need the CCN number?With the help of the correct CCN number, you can easily track the status of your claim request and perform the necessary actions requested by the insurance provider to process the claim.
3. How can I check my claim status?Generally, insurance providers send timely updates on your claim request on your registered email address or phone number. However, you may also use your CCN number for that claim request to track the status through the official website or mobile app for your insurance provider.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
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AYUSH Cover in Health Insurance – An Introductory Guide
Long before allopathic medicines and treatment became the norm, alternative medicine like Ayurveda and Homoeopathy dominated the Indian medicine industry. Health experts also believed that yoga could cure various types of physical ailments. So, in 2013, when the Insurance Regulatory Development Authority of India (IRDAI) instructed insurance companies to introduce AYUSH treatment insurance, insurance buyers wholeheartedly welcomed the change. This article explains AYUSH treatment cover in health insurance.
What is AYUSH Cover?An acronym for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy, AYUSH represents a health care system focused on alternative medicine or treatment. These alternative treatments are traditionally less expensive than allopathy and cause fewer side effects.
The Government of India introduced the AYUSH ministry to promote and develop traditional and alternative medicine. The government further mandated general and standalone health insurance companies to provide health insurance to people who prefer these conventional courses of treatment.
Individuals who opt for treatment through AYUSH medicine can undergo various kinds of drug therapies to treat illnesses using their AYUSH cover.
AYUSH Treatment Insurance – Inclusions and ExclusionsHealth insurance which covers AYUSH comes with its own list of inclusions and exclusions. They are as under:
The InclusionsYou can file a claim for the following expenses under the AYUSH treatment cover:
The insurance provider is not obligated to cover the expenses associated with the following under your AYUSH treatment insurance.
The following are the advantages of opting for a medical insurance policy with AYUSH cover:
Despite the IRDAI guidelines, only a few health insurance companies in India currently offer the AYUSH treatment cover. However, it helps to have both an AYUSH policy and a regular medical insurance plan. You must research and compare the coverage offered under both AYUSH and general health insurance policies before purchasing them.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.What Is a Cashless Hospitalization Facility in Health Insurance?
In times of medical emergencies, financial burdens are often the last thing anyone wants to face. This is where the cashless hospitalization facility in health insurance plays a vital role, offering individuals and families financial relief by enabling them to access hospital care without the immediate need for out-of-pocket payments. This article explains how cashless hospitalization works, its benefits, and how to select the best cashless health insurance policy.
Is Cataract Surgery Covered Under Health Insurance?
Like the rest of the human body, the human eyes also age with time. One may need prescription glasses at the start, but the deterioration of the eyes can advance to cataract. In such a situation, one might need to undergo cataract surgery. If the question ‘is cataract surgery covered by insurance’ has crossed your mind, this article is for you.
Cataract – Development & TreatmentThe human eye has a natural lens that bends light rays to help us see. Ideally, the lens should be clear. However, ageing can cause the lens to become cloudy, leading to blurry or hazy vision. Other symptoms of cataracts include extra sensitivity to light, night-vision issues, distorted imagery, etc. While ageing is the most common cause, eye injury, diabetes, smoking, extended exposure to the sun, side effects of steroids, etc., can also cause cataracts.
If detected early, cataracts can be treated without surgery. An ophthalmologist may initially recommend contact lenses or prescription glasses. Ophthalmologists might also advise you to reduce your exposure to screens and blue light and wear polarised or anti-glare sunglasses while stepping out during the day.
If the cataract hinders your everyday activities, the doctor might recommend surgery. The ophthalmologist surgically removes the clouded lens and replaces it with an artificial lens (intraocular lens). In such a case, you can use your individual health insurance policy to pay for the cataract surgery costs, provided you follow the conditions laid down by the insurer.
Cataract Treatment Costs and the Role of Health Insurance PlansLike all medical conditions, the cataract treatment costs in India can vary across locations and types of procedures. For example, a phacoemulsification cataract surgery costs less than laser-assisted cataract surgery. If you decide to encash your health insurance plan to pay for the cataract operation costs, you should ascertain your coverage by checking these two critical factors.
Check how much money can you claim for cataract surgery. Insurers typically cap the claim limit for outpatient procedures like cataracts. Assume your policy states that you can claim up to 15% of the sum insured subject to a maximum of Rs 25,000 per eye, including any post-surgery costs. Thus, if your sum insured is Rs 2 Lakh, 15% of it would be Rs 30,000. However, the insurance company will only reimburse Rs 25,000 for cataract surgery per eye.
You can encash your individual health insurance policy for cataract surgery costs after riding out the waiting period of 12-24 months. You may file a claim only after the waiting period ends. If you undergo surgery during the waiting period, the insurer is not liable to pay the claim amount.
Your health insurance policy covers you against a wide range of medical conditions and illnesses. Whether you require emergency surgery or need to seek treatment for a developing medical condition, you can encash your policy. But before you buy a policy, you must ascertain whether cataract surgery is covered by insurance. You can speak to your insurance provider to know more about the same.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.An Overview of Leprosy
Leprosy is one of the most ancient diseases. It is also called Hansen’s Disease, after the Norwegian physician Gerhard Henrik Armauer Hansen who discovered the bacteria that causes leprosy. In 2020, the World Health Organization noted 127558 new leprosy cases globally. As leprosy is a bacterial disease, it is known to affect the skin and lead to the appearance of external lesions and sores. Leprosy also affects the nerves and muscles. If left untreated, this disease can disfigure the patient.
Let’s take a closer look at what causes leprosy, examine the symptoms, and explore treatment options.
Leprosy is caused by the Mycobacterium Leprae Bacterium. As a disease, leprosy is not highly contagious. It only spreads through close contact with a patient who already has the condition. Studies show that Mycobacterium leprae bacteria can spread through sneeze or cough droplets from an infected patient to others.
There is a lot of stigma around leprosy. Patients are often shunned from society and forced to live in isolation. It is, therefore, important to note that leprosy does not spread if you sit next to an infected person in public transport or shake hands with them once. To actually spread the disease, there has to be close and repeated contact with a patient. Once a patient has begun treatment, they can no longer pass on the infection to others.
Expectant mothers cannot transmit leprosy to an unborn child.
Types of leprosy
Leprosy is broadly classified into two main types. These are lepromatous and tuberculoid. Tuberculoid is a milder form of the disease and relatively less contagious. Lepromatous is very contagious and affects the kidneys apart from causing major disfigurement and hair loss.
There is also a third type of leprosy which is called borderline. Borderline is a type in which the patient exhibits symptoms of both the lepromatous and tuberculoid forms.
Several years may pass before a patient exhibits noticeable signs of leprosy. In fact, some studies indicate that symptoms may even appear anywhere between 5 and 20 years after the initial infection.
Symptoms to note include light-coloured skin lesions, muscle weakness, lumps on the skin, dry skin, and a loss of sensation in the limbs.
Leprosy can also lead to nerve damage, blindness, kidney failure, hair loss, and loss of use of hands and feet. There is a common misconception that leprosy causes fingers to fall off. This is untrue. What really happens is that the bacterial infection leads to a loss of sensation in the affected areas. This loss of sensation means that burns, cuts, and other wounds go unnoticed until they eventually lead to infection that causes permanent damage.
If a skin sore is suspected to be a sign of a leprosy infection, the patient will be advised to undergo a biopsy. In a skin biopsy, a small sample of the affected area will be taken and sent for testing. The patient may also be advised to undergo a skin smear test or a lepromin test.
The diagnostic tests aim to identify the type of bacteria and type of leprosy. Upon proper identification of the type of leprosy, the course of treatment can be decided.
The good news is that leprosy can be cured. Treatment for leprosy involves multi-drug therapy which has been developed by the World Health Organization.
Patients need to take prescribed medication for an extended period of time that can range anywhere from a few months to a year. The medication is usually a combination of antibiotics for the bacteria and steroids for inflammation. Certain medicines used to treat leprosy might not be suitable for pregnant women as they may cause birth defects. If an expectant mother is undergoing treatment, her doctor may avoid prescribing certain medicines.
Living with leprosy
Patients living with leprosy are often isolated and excluded. This happens due to a lack of awareness among the masses on the exact nature of the disease. Once a patient has begun their course of multi-drug therapy, they can live normally with their family without worry of infecting them. They can attend office, shop for their necessities, and follow their normal routine. Proper education and awareness among the masses will help reduce the social ostracization faced by people living with leprosy.
These days, medical procedures can run into lakhs of rupees. And it is not wise to deplete one’s savings in paying for medical costs. A health insurance plan is the only way to afford the rising cost of healthcare. Health insurance covers hospitalisation expenses as well as charges incurred pre- and post-hospitalisation within limits specified by the insurer. It is much easier to pay a premium each year than pay an actual hospital bill each time you fall ill.
Does health insurance cover leprosy?
Insurers in the country are known to include coverage for leprosy under a critical illness cover. A critical illness cover is a rider that you can add to your health insurance plan for an extra premium. Most riders are affordably priced and so it does seem advisable to add as much coverage as you can to your base health insurance plan. This way, you can enjoy peace of mind with the knowledge that you are covered. Do bear in mind that health insurance policy inclusions can vary between insurance providers. You must read the fine print and ask your insurer what extent of coverage is offered before you buy insurance.
SBI General offers a range of medical insurance plans that are designed to offer holistic coverage when you fall ill. These plans include coverage for hospitalisation expenses (room rent, nursing costs, etc.), doctor’s fees, charges for anaesthesia and oxygen, procedural costs, and ambulance charges. Patients can also make a claim for day care procedures. SBI General offers its policyholders access to over 6000 cashless hospitals in India for cashless treatment. There is also a benefit of a free health check-up once in every four claim-free years.
Apply for health insurance today with SBI General to enjoy true peace of mind.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.