Health Insurance Case
Posted on | October 21, 2010 | No Comments
The best way to protect your interests when negotiating with banks, telecommunications companies, utilities, that must be completely your own files. In due time, if you have a dispute with them, then you have to prove that what was agreed upon payment plan if the payment is made, the deposit was given whatrefundable early.The same shall apply in relation to health insurance purchased by insurance company.Keep systematic files as follows: The steps are:File 1 The retention of insurance to the following documents are stored as a file and when received and sent;Prospect Insurance Company, whose policy is purchased.
1. Copy of the completed proposal to the insurance company. 2. Receipt issued by Insurance Company. 3. All correspondence received or sent to the insurance company. 4. All correspondence received or sent, the TPA. 5. Photocopy of identity card. 6. The insurance obtained by insurance company.
In addition to this:File 2 The accuracy of medical records of each family member (sold separately), so that the following have been filed and reception: All orders of doctors / Medical Consultants
1. All screening reports 2. X-ray 3. All reports of pathological tests, 4. Recipes doctors bills from chemists.
If original documents are required to provide photocopies of your office for the refund, then the same must be filed in this matter. Whether it is today, you decide to purchase health insurance or not, you should keep this file (file 2) for the following reasons:
* Even under normal conditions, when you go to a doctor / adviser for consultation, he finds the record in this file, see useful for the diagnosis / treatment line, as he based his treatment on the past, the relevance of drugs, your allergies , inclination due to side effects of certain drugs. * After a while, when health insurance and the application must be submitted as long as such documents may be used as an argument to prove now that in the past: No case of pre-existing disease was diagnosed in the past. 1. A specific pre-existing disease was known when the policy is not complete and the extent of the disease is also knownUsefulness file 2 is also very important Forthe following: 2. If the insured person to undergo a hospital stay and all medical expenses incurred 30 days before that date also due. (In the caseof Cholamandalam is 60 days)
In the case of invoices / receipts taken and placed in the file can be submitted in the claim include the Insurance TPA.If a claim is not accepted in full
* If the insured must be the matter with higher authorities in Insurance Company. * If the insured must be the matter with the authorities as a Consumer Forum then discussed the whole matter on the basis of documents only.
Let us take an example:Insurance Company / TPA takes positions to dismiss the suit as the insured had high BP and it was a pre-existing disease.Can Papers treatment earlier, also for viral fever, where a doctor treated the insured may be used to prove that 2 years ago or a month back to the time of reading this or that BP had to be taken by the doctor and it was normal .Each document can help you to prove your point of view and get the claim with the insurance done to your satisfaction.
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