INSURANCE CLAIM

HEALTH INSURANCE CLAIM

Health insurance claim? I do have a cashless health insurance? yes, it’s true if you have a cashless health insurance when hospitalized partner (provider) you certainly do not need to file a claim at all, because you just show the card and go to bed and cared for “the free” because the entire cost of your care will be billed directly to your insurance company, so it is very helpful and “not bother” you.

But imagine, if you had to be hospitalized is not a partner or were you treated abroad course you must pay the entire cost of care prior to then in a claim with your insurance company is not it? nah to process your claim can be processed quickly and you should not make “back and forth” to the affairs of the claim, especially if you seek treatment abroad and claim there are still incomplete paperwork, how much money should you spend? and wasted time?

Tips to make a claim you make health insurance is intended to help you save money and time, so your claim can be processed smoothly, let us consider the following simple tips:

A. Proof of Payment (Receipt)

Especially for treatment abroad, there are some hospitals that do not issue receipts (official receipt) as proof of payment, but the hospital will reprint the “Tax Invoice” (in the form of details of the bill) to include payment details (date, method of payment) and at the bottom lists the amount due (balance / the rest of the bill) is equal to zero (= 0). Mount Elizabeth and Gleneagles Hospital Singapore is an example of applying the procedure.

One of the health insurance claim filing requirements as stated in the policy book is proof of payment (invoice / receipt) and if the hospital did not issue a receipt to print it again as a replacement Tax Invoice receipt, the customer must submit the original Tax Invoice sheet (not a duplicate / Certified True copy) that includes the amount due is equal to 0 when filing health insurance claims. But if the hospital issued a receipt (receipt / official receipt) as proof of payment other than a Tax Invoice then the claim should still be equipped with receipt.

2. Charging Doctor Certificate

Insurance claims for those who get treatment overseas, doctors certificate form must be filled in completely and correctly by your treating physician, using two (2) choice of languages, namely English or Indonesian.

If the doctor or hospital fill out a form with no use of either of the two languages, then you must include a translation made by a certified translator. Translation must be made on institutional letterhead and sent an official translator of the original at the time of filing health insurance claims.

Besides all the details of the bill, the type of inspection / action, drugs, etc. must be submitted to your insurance company when filing a claim. All the details are not written in Indonesian or English must be translated as described above.

Health insurance claim was very simple right? there are only two items that need to be completed during the time of filing the claim, namely: receipts and medical certificate. Well, I hope this tips help you and be able to shed some light on health insurance claims.