Contents:
- Medical Video: How to Make Health Insurance Claims On Multiple Health Policies
- What is that double claim?
- Many are mistaken about the insurance systemdouble claim
- So actually how to use it double claim?
- What are the conditions for redemption? double claim?
Medical Video: How to Make Health Insurance Claims On Multiple Health Policies
There are some wrong views in the community regarding the procedure double claim from health insurance. Many think insurance facilities double claim can make a profit. Wait a minute, does this really benefit customers? What exactly is that double claim in health insurance? See below; don't make a wrong move.
What is that double claim?
Double claim is a facility that is now being offered by several insurance companies. Double claim is the second insurance product other than the one you have for the first time. Customers will have two insurance products from different companies.
Through this facility, customers are more likely to get all costs and medical expenses at the hospital. Double claim it's like an additional savings that will be used when your first health insurance fund is insufficient.
Many are mistaken about the insurance systemdouble claim
Some people assume that by joining an insurance program double claim, customers can benefit. For example you are hospitalized and you have 2 insurance products. You hope to be able to claim all of the total hospital costs to the two insurance companies.
For example, total expenditure in the hospital is IDR 5,000,000, by claiming to both insurance companies, you might expect to get a total of IDR 10,000,000. As much as IDR 5,000,000 to pay for the hospital, and the rest as profit or profit you get.
This example is a big wrong assumption. System double claim insurance does not apply like this.
The insurance company will not reimburse medical expenses if the bill has been paid or borne by another insurance. There are several files that need to be submitted when utilizing double claim this, so the second insurance company will not pay it if it is not clearly proven.
So actually how to use it double claim?
Insurance double claim actually used when your primary insurance cannot cover all costs billed by the hospital. Instead of bouncing or spending your own money to cover all costs, facilities double claim can be the solution.
For example, you were hospitalized for 3 days. The hospitalization fee (hospitalization) per day that will be replaced by the main insurance that you have is IDR 400,000. This amount has been restricted according to the initial contract with your insurance provider.
However, in fact the cost to pay to the hospital is Rp. 600,000 per day. That means, you have to reach Rp 200,000 per day. Well, instead of spending more money, you can make a claim to the second insurance that does offer facilities double claim to cover up the shortcomings.
So, that's the utility of the facility double claim which should. Not to take advantage. Usually there will be evidence from the hospital that needs to be sent to the second insurance that has the facility double claim, what is the remaining amount to be paid.
What are the conditions for redemption? double claim?
To getdouble claim on the second insurance side, there are several files that you need to send. This is valid proof that there is indeed a medical bill that has not been paid by another party (other insurance).
Documents usually needed are copies of payment receipts, legalized hospital fee details, medical resumes, and available claim forms from your insurance.
This fund replacement system is usually reimbursement. So you have to pay to the hospital first with personal money; new insurance will be replaced later.
In addition, there are also claims deadlines. Generally the deadline double claim this is a maximum of 30 days from the date of the hospital receipt. Therefore, the requirements needed must be completed immediately so that the claim on the second insurance is quickly approved and money can be disbursed.
For more details about what requirements need to be prepared, usually each insurance company has its own rules. Read your insurance procedure guide carefully or contact your agent.
