It is very likely that we trip and fall and hurt ourselves. We could also fall ill and require a doctor’s immediate attention. However, today doctor’s bills continue to rise every single day. With a visit to the doctor becoming more and more expensive, would it not be safe to have a get away free card? Well, making sure that you have an insurance policy in place makes sure that all your medical bills are taken care of. Knowing that somebody is there when you’re ill will help your recovery for sure, as you won’t have to worry about anything except getting better.
Everyday we hear of a new virus or a new epidemic, which is causing several people to be hospitalised. Unfortunately, the cost of being hospitalised is far more than more people can afford without completely emptying out their bank accounts. In such cases, would it not be best to have a health insurance policy or Mediclaim to ensure that you need not worry about anything else while you are worrying about getting better. However, always be sure to check the several policies available to you before you finally decide on one. The different policies have different benefits. One policy may also pay for an ambulance, while another may not. Certain policies may require hospital bills within 60 days, while other may be okay with having the bills even 90 days after hospitalisation.
There are several different ways to meet with an accident that may land you in a hospital. In such a situation, your Mediclaim policy will pick up all the costs for you. Most policies will also insure your children and other family members under the same policy, so that everybody in your family can be safe. In order for your Mediclaim policy to be useful, you must know how and when to claim health insurance. It is important that you read the terms and conditions on your policy carefully, as this will help you understand the procedure to be followed to claim your Mediclaim. Let us take a look at some of the most important steps to remember while claiming your insurance. Always remember to inform the insurance agency that the insured party has been admitted to the hospital. You should also inform them if the insured person is likely to be admitted in the hospital. This is because most companies will send a surveyor to the hospital to check on the insured party and the conditions which they are being kept in.
Always make sure that you keep all your hospital bills in place as most insurance policies work on reimbursements. However, policies may not cover all the different kinds of medical bills, so make sure that your medical expenses are being covered by the insurance company. Insurance policies may also not work on pre-existing conditions, self-diagnosis or self-inflicted harm. They are also not likely to cover the costs of medications like vitamins unless they have been prescribed as part of the treatment. Make sure you read your insurance policy very carefully before you sign on the dotted line, and read all the terms and conditions to understand how and when you can claim your money.