@@SaraH-cg4cdboth are diferent Aproved means your Rehmbershment are Aproved by Insurance company and Settlement means when money payment in your acount.......
Got to know so many things from this video:- 1. Difference between cashless and reimbursement claim 2. How each claim process works 3. Which one should be preferred Thank you for making this video.
Can we use 2 policies ( Main policy + super top up ) in a single bill of hospitalization. How can we use? Can hospital refuse to use papers? My mother was admit and Apollo hospital , Delhi refused to use 2 policies. Please make a video and guide
Hi ma'am I hope you are fine..My Question is jaise Maine hospital me admit hua tha,, cashless prosess tha..but Maine admit se pahle kuch cheakup karwaye the and after discharge medicine bhi li and discharge ke baad ambulance se apne ghar tak ka amt pay Kiya....too ye Amt company mujhe refund kregi...iska prosess kya hai
Hi Gurleen , What to asked that there is any norms in timing for the reply from insurer and hospital so that at night insurer can’t that that it’s not there working hour ? What maximum timeline in a day or a night to reply for queries from both side .
Mam Mera baby ka chest mein infection Ho gai main admit kar diya mukundapur amri hospital mein swiggy se insurance claim chahie mera baby ka naam se please help me mam
Hello Ma'am for the important information..I have one query regarding non hospitalization medical expenses..suppose if doctor asks patient to do CT scan or MRI of a particular body part and doctor think there is no requirement for hospitalization and advices his patient to do treatment from the home itself for 1 month so in that case all the tests and medicines expenses can be claimed or not..please reply
Ma'am please clarify below claim reject massege. On scrutiny of documents member is claiming for expenses for normal delivery. However it has been observed that the surgeon is BAMS. This is out of discipline and is not covered as per policy T&C .
Hi Ma'am, I wanted to know about the process for determining the inclusion and exclusion of health insurance coverage during both planned and emergency admissions. I would like to know if the Third-Party Administrator (TPA) is aware of all the coverage included in my policy or if I need to inform the hospital about the specific coverage I am entitled to as per the policy.
We have 2 family floater policies (10+90) from Niva Bupa- Reassure and Recharge Benefit (Super Top Up) plan. In Reassure plan, my husband is the proposer while I am proposer in the Super top up plan. For claims higher than the base plan cover, where we will need the super top up cover, will there be any issue with claim settlement considering there are 2 proposers for 2 plans?
very iinformative mam.. bt one question Agar Day of admit in hospital sunday ya other holiday ho plus uska next day b holiday ho to approval mil jata hai holiday wale din ya patient ko admit hone k bad 1-2 din approval ka wait krna pdega?
I have applied for marriage certificate and it will take time after which I have to update my wife's adhar card with the name after marriage. I have added my wife's name as per after marriage but on Adhar card its pre-marriage. While applying for claim, will this be admissable? If not, or the documents are not available within 30 days after discharge, can we still claim after 30 days?
Hello mam, my mother was admitted to PGIMER CHD due to blocked arteries and one stent was installed. She stayed in hospital fr 3-4 days and total bill was around 75k. With the help of Care Health Insurance we submitted all original bills , receipts etc but we are reimbursed only 50k. Could you please advise what should done now?
adytiya bilra health plan कभी भी मत लेना पहले मैंने cashless claim किया वो denay किया फिर बोला की reburshmnt मे ले लेना.. दो महीने से wait kar रहा हूँ अब तक नहीं कोई भी जवाब मिला कंपनी की तरफ से बोलते है की process मे है. ज़ब policy लेने की बारी आती है तो मीठी मीठी बाते करके फंसा लेते है ज़ब claim देने की बारी आती है तो चककर पे चककर कटवाती है मे जीता जागता गवाह हूँ दो महीने हो गए है पुरे मुझे पर कुछ भी नहीं मिला
Hello mam, My father visited Canada and he had insurance from care health and but I we tried reimbursement but couldn’t choose other country all it was mentioned all the states of India. Please help
I have a question. Lets say I have a rash and I am taking fungal medicine for it and I described it to the insurance company as pre existing illness but latter it was diagnosed as a complete different disease. will that falls under the insurance?
Does the procedure for reimbursement claim stay the same for day care procedures? Which documents do we attach for 'Discharge Certificate' tab? And if we have a bill which has been paid, how do we get its payment receipt, since day care surgeries can be from local hospitals who do not provide separate bill and payment receipt?
Sir, we spoke on call. Discharge summary will be required if it was a day care procedure otherwise it will be counted as OPD procedure. Since it is a group policy, you can connect with HR of your company
I have ICICI Lombard Health Insurance with no room rent capping, however when the hospital sent a pre authorisation with room category as Suite (as per my choice) insurance guys gave the approval only for Standard room when I asked customer care about it says for cashless it is only standard room I will be eligible in case of Reimbursement any room is fine. This is absolutely not fair cheated me. Please let me know what they are doing is right ?? If that is the guidelines from IRDAI then they should have mentioned it clearly in the insurance policy copy which they have not. It's a scam not expected this from ICICI.
Mine is a medi assist insurance company. If I go cashless network hospital... which option is best cashless or reimbursement... I want to claim full money, which is total expenditures for the spinal cord surgery... Please reply
"It is observed from the documents submitted that the hospitalization for treatment of fibroid uterushas arisen within two years from thedate of commencement of the first policy. As per the waiting period exclusion no. Excl 02 of the policy, the claim is not admissible for a period of 2 years from the date of inception of the first policy." We are therefore unable to consider the approval for cashless treatment of the above diagnosed disease. "They are saying this what can i do about this " Help
Ek customer ke view se sab baate hn UA-cam pr asi info bhari pati hn Pr ek Hospital Manager jo iss policy pr claim krte hn unka process kya hn. keise jaise meine hospital ki taraf se mein insurance company mein claim kr rha hoon toh kya kya process hn iss topic pr video chyeh.
Hi if I am covered by my company through paramount heath insurance/care heath insurance and I was admitted and claimed the cashless. Will the information about the treatment will be confidential or my company HR's can request and see the details. Please tell.
Hi Mam, I need your help. My Cashless got rejected for unrealistic reason and now I want to apply reimbursement. But I'm afraid to file because if some error happens, they will reject again. Please let me know how I can get in touch. My Insurer is Care Health.
Thank you so much ma'am. Nice video My question is, can we take 2 health insurance policies so that if the claim of one policy is denied then we can apply claim from second policy? Is that legal?
Yes, you can do that but you can't make benefit from health insurance policies, means you can't claim for same amount from both the companies. If it doesn't get cleared from one company, can be applied to another.
Hi Ma'am, I purchased Tata AIG Health policy for my parents last year for 10L coverage. Recently my father was admitted to hospital for Covid related complications. I thought that TATA AIG is a big brand and won't let me down. But unfortunately it didn't happen. It's been more than 1 months now and I have escalated the issue multiple times for claim but to no avail I am getting any resolution. Every time I call them, they ask me to call on Tuesday but when I call them, they tell me that because of technical issues, they are not able to process claims now and then ask me to wait again. I need the money since my sister is admitted now for black fungus.I have clearly mentioned the urgency but the customer service or claim department don't have anything other than fake promises to offer. What should I do?
@@yashagrawal8036 bhai, claim hua tha fir? I was also interested in purchasing tata aig medicare plan, but seems like they are not trustworthy..since you have faced issues while claiming.
Ma'am your video is very informative and well organized. I have a query. I have two claim and I misplaced original money deposit receipt so submitted duplicate receipts...they make a query to submit original, what to do now ? How do I solve there query?
To buy insurance policies, click here - hareepatti.com/contact-us/
@GurleenkaurTikku.... Please tell me... Approved amount and settlement amount will be same or different? For Reimbursement.
@@SaraH-cg4cdboth are diferent Aproved means your Rehmbershment are Aproved by Insurance company and Settlement means when money payment in your acount.......
@@Ak.Bharatwanshi thank you.... I got the settlement amount 🙂
Got to know so many things from this video:-
1. Difference between cashless and reimbursement claim
2. How each claim process works
3. Which one should be preferred
Thank you for making this video.
Aapka samjhane ka tarika mst tha....I like that
अच्छी जानकारी दिया है मैम आपने और हैशटैग पर भी ध्यान दिया बहुत खुशी हुई
Dhanyawaad jee 🙏
Thank you ma'am Khan sir jeysa asani sey samjaya...
Thank you !
I have corporate insurance and i did not this process and because of it I am struggling alot... I thank you so much
Thank you jee, keep watching !
Bhut acha samjhaya ji aapne... Good... Thanxss... ❤️❤️❤️🙏🙏
Thank you so much jee !
Thanks ma'am, बडी मदत हो गयी....
Glad, Thank you jee.
Keep watching & DO SUBSCRIBE for more such informative content.
Beautifully explained
Thank you :)
Best policy is care health insurance...it's help me for my mother and father both healths
I saw the whole video. It’s very informative.Thank you
Most welcome jee, I am glad you liked it :)
U are great ma'am, thanks for giving nice health vedio...I prayer god for ur healthy and successful life....
Thank you so much, keep watching !
Very well explain mam thank you 🙏
Thanks a lot!! I was looking for exactly this information
Thank you jee, keep watching for more such informative content 😊
mam aapki awaz bahut sweet hai ji
Documents lene kya company khud ghar pe ayegi ya kahi jana hoga dene?
Very well explained thanks mam
Most welcome 😊 Keep Watching !
Can we use 2 policies ( Main policy + super top up ) in a single bill of hospitalization. How can we use? Can hospital refuse to use papers? My mother was admit and Apollo hospital , Delhi refused to use 2 policies. Please make a video and guide
Hi ma'am I hope you are fine..My Question is jaise Maine hospital me admit hua tha,, cashless prosess tha..but Maine admit se pahle kuch cheakup karwaye the and after discharge medicine bhi li and discharge ke baad ambulance se apne ghar tak ka amt pay Kiya....too ye Amt company mujhe refund kregi...iska prosess kya hai
Hi Gurleen ,
What to asked that there is any norms in timing for the reply from insurer and hospital so that at night insurer can’t that that it’s not there working hour ?
What maximum timeline in a day or a night to reply for queries from both side .
Nicely explained..n simplified
Thank you so much 🙂
Detailed information thank you
I am glad it helped.
Thank you so much for making informative video.
Glad it was helpful, KEEP WATCHING !
Thnku so much mam for giving me your pricious time ❤️
Thank you so much !
If anybody need any Insurance Policy for TATA AIG, then I will provide to all the BEST Prices with BEST Services.
Non medical expenses can also be covered by adding a shield.
Thanks for yours video ☺️
Thank you so much Mam for valuable information. Nicely explained!
Keep watching !!
Mam Mera baby ka chest mein infection Ho gai main admit kar diya mukundapur amri hospital mein swiggy se insurance claim chahie mera baby ka naam se please help me mam
Thanks for your valuable information🙏🙏🙏
Thank you 3k
Hello Ma'am for the important information..I have one query regarding non hospitalization medical expenses..suppose if doctor asks patient to do CT scan or MRI of a particular body part and doctor think there is no requirement for hospitalization and advices his patient to do treatment from the home itself for 1 month so in that case all the tests and medicines expenses can be claimed or not..please reply
Hi Ankur
For any queries regarding health insurance, het in touch with our team on WhatsApp at 9650706699 or 9810458605
Thank you
Ma'am please clarify below claim reject massege.
On scrutiny of documents member is claiming for expenses for normal delivery. However it has been observed that the surgeon is BAMS. This is out of discipline and is not covered as per policy T&C .
Thanks you jee
Rajesh Sharma
(Tax Consultants)
:)
Thanks Mam 🙏
Can we get access to UNDERWRITING POLICIES of health insurance companies?
Very nice video thanks medam ji.
Thanks a lot ! Keep Watching
Hi Ma'am,
I wanted to know about the process for determining the inclusion and exclusion of health insurance coverage during both planned and emergency admissions. I would like to know if the Third-Party Administrator (TPA) is aware of all the coverage included in my policy or if I need to inform the hospital about the specific coverage I am entitled to as per the policy.
The hospital TPA desk verifies from the insurance company
We have 2 family floater policies (10+90) from Niva Bupa- Reassure and Recharge Benefit (Super Top Up) plan. In Reassure plan, my husband is the proposer while I am proposer in the Super top up plan. For claims higher than the base plan cover, where we will need the super top up cover, will there be any issue with claim settlement considering there are 2 proposers for 2 plans?
Sweta jee, There will not be an issue since insured person is present in both the policies.
Thank you for the clarification.
Incase of reimbursement what is the time gap to inform the insurance co. Admission of patient in hospital...
very iinformative mam.. bt one question
Agar Day of admit in hospital sunday ya other holiday ho plus uska next day b holiday ho to approval mil jata hai holiday wale din ya patient ko admit hone k bad 1-2 din approval ka wait krna pdega?
Accident insurance clim kayse kare is per ek video koro
jee, we will try to bring up a video soon.
Keep Watching !
Hospital me admit hone se
Phale photocopy deni hoti hai kya..
Like photocopy
Adhar card
Pancard etc..
Ya orginal hi chaiye
Hospital walo ko?
Patient adhar card
Policy holder pan card
Policy
Soft copy bhi chalega
thanks mam
Thanks a lot, keep watching !
I have applied for marriage certificate and it will take time after which I have to update my wife's adhar card with the name after marriage.
I have added my wife's name as per after marriage but on Adhar card its pre-marriage.
While applying for claim, will this be admissable? If not, or the documents are not available within 30 days after discharge, can we still claim after 30 days?
Hello mam, my mother was admitted to PGIMER CHD due to blocked arteries and one stent was installed. She stayed in hospital fr 3-4 days and total bill was around 75k. With the help of Care Health Insurance we submitted all original bills , receipts etc but we are reimbursed only 50k. Could you please advise what should done now?
Ashish jee, we had a word yesterday and shared the way forward with you over email.
Hope you get resolution soon.
@@GurleenKaurTikku Thanks for the prompt response. Really appreciate your advise!!
@@ashishaggarwal1519 :)
If anybody need any Insurance Policy for TATA AIG, then I will provide to all the BEST Prices with BEST Services.
adytiya bilra health plan कभी भी मत लेना पहले मैंने cashless claim किया वो denay किया फिर बोला की reburshmnt मे ले लेना.. दो महीने से wait kar रहा हूँ अब तक नहीं कोई भी जवाब मिला कंपनी की तरफ से बोलते है की process मे है. ज़ब policy लेने की बारी आती है तो मीठी मीठी बाते करके फंसा लेते है ज़ब claim देने की बारी आती है तो चककर पे चककर कटवाती है मे जीता जागता गवाह हूँ दो महीने हो गए है पुरे मुझे पर कुछ भी नहीं मिला
Noted thank for I formation
What about now ?
Denny karne ka reason bhi toh bataya hoga
Denny karne ka reason bhi toh bataya hoga
Correct
Hello mam,
My father visited Canada and he had insurance from care health and but I we tried reimbursement but couldn’t choose other country all it was mentioned all the states of India.
Please help
I have a question.
Lets say I have a rash and I am taking fungal medicine for it and I described it to the insurance company as pre existing illness but latter it was diagnosed as a complete different disease. will that falls under the insurance?
Does the procedure for reimbursement claim stay the same for day care procedures? Which documents do we attach for 'Discharge Certificate' tab? And if we have a bill which has been paid, how do we get its payment receipt, since day care surgeries can be from local hospitals who do not provide separate bill and payment receipt?
Sir, we spoke on call.
Discharge summary will be required if it was a day care procedure otherwise it will be counted as OPD procedure.
Since it is a group policy, you can connect with HR of your company
I have ICICI Lombard Health Insurance with no room rent capping, however when the hospital sent a pre authorisation with room category as Suite (as per my choice) insurance guys gave the approval only for Standard room when I asked customer care about it says for cashless it is only standard room I will be eligible in case of Reimbursement any room is fine. This is absolutely not fair cheated me. Please let me know what they are doing is right ?? If that is the guidelines from IRDAI then they should have mentioned it clearly in the insurance policy copy which they have not. It's a scam not expected this from ICICI.
excellent information madam
Thanks a lot !!
Thanks
Keep Watching !
Ma'am, medicine bill mein GST hona mandatory hai kya ? Pls reply Urgent. Thank you 🙏
Mine is a medi assist insurance company. If I go cashless network hospital... which option is best cashless or reimbursement... I want to claim full money, which is total expenditures for the spinal cord surgery... Please reply
Good info..detailed apne btaya...
Thank you jee, I am glad you found it useful :)
If reports surname is different and adhar name is different how to apply for claim
Good mam tahnku so much foe clear
Thank you, Keep watching!
"It is observed from the documents submitted that the hospitalization for treatment of fibroid uterushas arisen within two years from thedate of commencement of the first policy.
As per the waiting period exclusion no. Excl 02 of the policy, the claim is not admissible for a period of 2 years from the date of inception of the first policy."
We are therefore unable to consider the approval for cashless treatment of the above diagnosed disease.
"They are saying this what can i do about this "
Help
There are some slow growing illnesses which are not covered for 2 years, this is part of that list, hence will not be paid
If anybody need any Insurance Policy for TATA AIG, then I will provide to all the BEST Prices with BEST Services.
Thanku nice information
Thank you, keep watching !
Ma’am I have one question is physiotherapy is also included in health insurance??
Mam employee mediclaim online kese check kare with policy no
My claim rejected for Doctor same hand writing how to proceed my claim
TX Tikku ji
can you pls tell me one application for calculating premiums
Nice ji ❤
Thank you jee, keep watching !
Thanks for nice Information , many thanks
Thank you, keep watching !
Alag alag lab ke bill ho to Kya curys AA sakti hai mam our alag medical ke bill ho vo mil sakte hai kya
thank you mam
Ek customer ke view se sab baate hn UA-cam pr asi info bhari pati hn
Pr ek Hospital Manager jo iss policy pr claim krte hn unka process kya hn. keise jaise meine hospital ki taraf se mein insurance company mein claim kr rha hoon toh kya kya process hn iss topic pr video chyeh.
Ji, Thank you for the video suggestion.
We may bring a video soon 😊
Very Informative Thank you
Glad it was helpful !
V well explained
Thank you jee :)
Ma'am please do make a video on post hospitalised claims for medicine and reports
Jee, will do
Can we claim insurance for just a check up and scanning ?
Hi if I am covered by my company through paramount heath insurance/care heath insurance and I was admitted and claimed the cashless. Will the information about the treatment will be confidential or my company HR's can request and see the details. Please tell.
Thanks a lot,mam
Most welcome jee :)
Hi Mam, thanks for this information. Can you please confirm the oxygen concentrator covers in pre/post coverage. I am having the mediassist insurance
Hi Mam, I need your help. My Cashless got rejected for unrealistic reason and now I want to apply reimbursement. But I'm afraid to file because if some error happens, they will reject again. Please let me know how I can get in touch. My Insurer is Care Health.
Thanks a lot mam 🙏🙏
Thank you !
Superb info ...thanks gurleen didi 👍👍
Thank you jee, keep watching !
Very imformative.
Thank you so much !
Mam kya apandix slow growing diseace me atte hai or iska claim ke leya kitni der me apply kr skte hai
Excellent vidio
Pl clarify whether pregnancy and delivery charges are admissible in union care 360 policy
I will. See my claims processing status
Mam, do we need to add parents in FHPL App if we want to reimbursement of parent's treatment?
Thank you so much ma'am. Nice video
My question is, can we take 2 health insurance policies so that if the claim of one policy is denied then we can apply claim from second policy?
Is that legal?
Yes, you can do that but you can't make benefit from health insurance policies, means you can't claim for same amount from both the companies.
If it doesn't get cleared from one company, can be applied to another.
64vb ke bare mai ek video banayiye please
Thanks for all information
Thank you, Keep watching !
Can we use Medical claim in notice period time ?
Gadi ka claim kaise karna hoga. Maine 4 wheeler se gya tha admit ke liye. Isme bill kon sa dena hoga travels bill Or ambulance bill
Mamm Mera ek original bill nhi mil rha h , mere paas scanned copy hai. Ab kya kre smjh nhi aa rha
mam tell about chola mandalam health insurance ke barein bataye
jee, will make a video shortly on the same.
Hi Ma'am,
I purchased Tata AIG Health policy for my parents last year for 10L coverage. Recently my father was admitted to hospital for Covid related complications. I thought that TATA AIG is a big brand and won't let me down. But unfortunately it didn't happen. It's been more than 1 months now and I have escalated the issue multiple times for claim but to no avail I am getting any resolution. Every time I call them, they ask me to call on Tuesday but when I call them, they tell me that because of technical issues, they are not able to process claims now and then ask me to wait again. I need the money since my sister is admitted now for black fungus.I have clearly mentioned the urgency but the customer service or claim department don't have anything other than fake promises to offer. What should I do?
I have already submitted all the original documents required already.
please share claim.id and details at info@hareepatti.com.
Will try to assist.
Thanks
I have already sent the information you asked for.... I haven't got the reply yet.
@@yashagrawal8036 bhai, claim hua tha fir? I was also interested in purchasing tata aig medicare plan, but seems like they are not trustworthy..since you have faced issues while claiming.
@@yashagrawal8036 is your claim settled or not?
For pre and post hospitalization claims k liye bhi prescription, hospital discharge docs kyu dena hota hai?
Kyunki usse apke pre / poist hospitalisation days calculate hote hain
Mam do you have any informative video of star young star policy
Not yet, would make a video soon.
Email receved (confirm the registration of your Reimbursement claim ) kitnaie time ma clam aajata hai account maie
Tq
Keep watching !
Awesome Description..Really appreciable
Glad you liked it, Keep Watching !
Please make a video on hidden terms and conditions of care supreme
Ji, Thank you for the video suggestion !
Keep Watching !
Ma'am your video is very informative and well organized. I have a query. I have two claim and I misplaced original money deposit receipt so submitted duplicate receipts...they make a query to submit original, what to do now ? How do I solve there query?
Original receipt will be required for claim
If anybody need any Insurance Policy for TATA AIG, then I will provide to all the BEST Prices with BEST Services.
Thankyou mam
Keep watching 😊
Thanks mam
Keep watching