Contents:
- Medical Video: What to Do When Car Insurance Company Refuses to Pay
- What is double claim?
- When can you use this insurance claim facility?
- How to double claims from two different insurance
- 1. After treatment, request and save details of costs not covered by the main insurance
- 2. Complete the doctor's certificate
- 3. Meet other terms and conditions of the insurance party concerned
Medical Video: What to Do When Car Insurance Company Refuses to Pay
When you first register for health insurance, you may be tempted by the lure of the facility double claim aka double claim. Yes, this insurance claim facility is indeed often an attraction for prospective members even though most of us do not really understand what its function is. What comes to mind might be that you can get double compensation by double claiming. Even though, that's not the case, you know!
Well, for that you need to understand the intent of double claim and know how to make the claim correctly.
What is double claim?
Amenitiesdouble claim actually not much different from ordinary insurance claims, which is to help you get compensation for medical expenses that you have incurred. Even so, said "double"Or" double "does not mean you then get double compensation.
The purpose of the double claim here is that you can submit additional claims to other insurers if the medical expenses cannot be borne entirely by the main insurance (where you are registered).
For example like this: You seek treatment and pay a fee of Rp. 600,000. But according to the agreement at the beginning of the policy, your main insurance can only replace medical expenses of Rp. 450,000. Well, the remaining costs are not covered IDR 150,000 can be claimed by other insurance parties. This is the way of working and the real understanding of the facilitydouble claim.
When can you use this insurance claim facility?
Just like insurance claims in general, you can immediately file double claim when or immediately after you pay for hospital fees. However with notes: double claim can only be used when medical expenses are not entirely borne by the main insurance company and there are residual bills that you must pay for yourself.
This facility also depends on the insurance system that you have. Every insurance company has different policies and regulations, including in terms ofdouble claim. There may be terms and conditions and different file completeness processes between insurance companies and each other.
In general, if you have two insurance systems cashless, then you can use both insurance cards at once to pay off hospital payments.
While if you have two insurance systems cashless and reimbursement, You can use an insurance card cashless for the first payment. Next, you must pay the rest of the bill yourself. Proof of payment of the remaining bill then you submit to the insurance company to be replaced.
How to double claims from two different insurance
Step do double claim not much different from general insurance claims, namely:
1. After treatment, request and save details of costs not covered by the main insurance
After getting treatment, ask for details of what costs are not covered by the main insurance. Also include some legalized original documents. The details of this fee are used as proof of the amount of the remaining bills that you have to spend to be replaced by additional insurance.
2. Complete the doctor's certificate
In addition to payment receipts, you also need a doctor's certificate. This letter must be included to submit a claim to the insurance company. Don't forget to check carefully again; whether filling out the doctor's certificate is correct or not.
3. Meet other terms and conditions of the insurance party concerned
Taking care of claims is likely to take up a lot of time, energy, and even costs because you could have to go back and forth to the insurance office. For this reason, before you make a claim, you must prepare everything needed.
You can read the terms and conditions of filing a claim on the insurance file that you have or contacting the insurance company if you experience difficulties. If you have fulfilled the terms and conditions, you will be made easier to do double claim insurance.
Don't forget, submitting a claim also has a validity period. So, the process of arranging a claim should be no more than 30 days after you receive treatment or are discharged from the hospital after hospitalization.
