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All You Need To Know About Health Insurance Claims

7

Aug, 2010

All You Need To Know About Health Insurance Claims

By: | Tags: , , , , , , , | Comments: 56

If you are admitted to a non-network hospital you need to settle the hospital bills yourself and then submit the hospitalization documents along with the claim form for reimbursement of hospitalization expenses. Documents Required: We would require the following documents for fast processing of your claim: A photocopy of your previous policy details prior to taking your Health Guard policy from Bajaj Allianz (if applicable). A photocopy of your present policy document with Bajaj Allianz. First prescription from the doctor. The claim form duly signed by the claimant or family member. The hospital discharge […]

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I have lost/not received my membership card what do I do?

By: | Tags: , , , , , , , | Comments: 46

If you lose your membership card, please call our Toll Free No. 1800-22-5858 and report the loss immediately. A duplicate card will be issued to you within 7 days of reporting the loss.  Extra charges will be applicable to issue a duplicate card.   How do I claim if I have not received the medical card? In case you need to be hospitalized during this period, please inform us the name of the hospital you are being admitted to and mention your membership number, we will inform the hospital to initiate […]

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Where should I call if I am travelling abroad and I need to report a claim or need assistance?

By: | Tags: , , , , , , | Comments: 16

In case of any travel insurance claim or assistance abroad, call toll-free numbers Originating Country Dialed Number USA (001) 186658 76903 Canada (001) 186691 43705 Austria (043) 990+800 10002005 Belgium Denmark (045) France (033) Germany (049) Hungary (036) Ireland (353) Italy (039) Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Spain (034) Sweden (046) Switzerland (041) UK (044) Finland (358) carrier TS 990+800 10002005 Finland (358) carrier Elisa 999+800 10002005 Hong Kong (852) 001+800 10002005 Israel (972) 014+800 10002005 Singapore (065) 001+800 10002005 So. Korea […]

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What if I return before the last-day of my policy period (trip curtailment)?

By: | Tags: , , , , , , , | Comments: 21

In case of an early return of the insured person, before the expiry of the travel insurance policy period, the company will refund the premium at the following rates, subject to no claims being incurred on the travel policy. Period of Risk Rate of Premium Retained by Company Above 50% of Policy Period 100% of Premium Between 40-50% of Policy Period 80% of Premium Between 30-40% of Policy Period 75% of Premium Between 20-30% of Policy Period 60% of Premium Policy inception-20% of Policy Period 50% of Premium The travel […]

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How does a No Claim Bonus help me?

By: | Tags: , , , , , , , , | Comments: 25

The No Claim Bonus is a great way to progressively reduce your motor insurance premium. For example, the table below shows the premium payable towards a Maruti Wagon R costing Rs.3.6 lakhs, over six years in following scenarios: Scenario 1: When no claim is made and the No Claim Bonus is earned, as applicable Scenario 2: When a claim is made every year   IDV Scenario 1 (With NCB) Scenario 2 (Without NCB) Year Value in Rs. NCB % Premium NCB % Premium Year 1 360000 0 11,257 0 11,257 […]

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