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United India Health Insurance Claim

Whether you are young and energetic or are in your 40s, one habit that will keep you safe and secure is buying a health policy. policy regulations, terms and conditions. Most importantly, you should be well-versed in the process of filing a claim with an insurance provider (for example United India). A minor mistake in the claim process can prevent you from enjoying the health insurance coverage offered by the United India Insurance company.

The best thing about the United India Health Insurance is that its claim approval process is seamless and swift. Once you have submitted all the necessary documents to the insurance company, they vouch to either accept (or reject) the policy claim maximum within 30 days of document submission. And in case they fail to do so, UIHI is bound to pay a specific amount of interest (2% above the bank rate) from the date of document submission to the date of claim payment.

This article discusses the intricacies of the United India Health Insurance claim process. If you wish to know more about filing the claim and getting it approved at the United India Health Insurance company, read on!

How To Apply For United India Health Insurance Claim?

Once you make up your mind regarding filing a claim with the health insurance company, you will have to decide whether you want cashless treatment or wish to get the amount reimbursed. Depending on your financial condition and health situation, you can choose any one of these options. Let’s understand how these two claim methods work.

Reimbursement Facility

Want to try the reimbursement facility offered by the United Health Insurance plan? You can claim it quite easily in just a few steps!

  • There are two types of claims when it comes to reimbursement. The first one includes reimbursement of daycare, pre-hospitalisation and hospitalisation expenses. In this case, you will have to submit all the necessary documents to the TPA (third party administration) maximum within 30 days of discharge.

    The second category includes reimbursement of post hospitalisation claims. For this, you need to submit all the necessary papers maximum within 15 days after you have received the post-hospitalisation treatment.
  • In case of planned hospitalisation, you are required to inform the insurer at least 48 hours before seeking admission.
  • In case of emergency hospitalisation, you will have to update UIHI within the first 24 hours of the emergency hospitalisation or before he/she gets discharged.

Cashless Facility

If you want to go for the cashless claim facility, follow the below-given steps and get your health insurance claim cleared easily!

  • Check out the list of network hospitals in the policy paper. Choose the one that seems nearest to your location. You can seek admission in any of the network hospitals.
  • Next, you need to fill out the cashless request form available with the TPA/network provider and send it to the company or TPA for further processing and authentication.
  • Apart from this, you will have to share some other medical information. If you fail to provide the needed medical details, United India Health Insurance has the right to deny the issuance of the pre-authorisation letter.
  • Soon UIHI company will issue a pre-authorisation letter for the hospital.
  • The day you get discharged, you will have to sign the discharge papers. Also, for non-medical and inadmissible expenses, you will have to pay from your pocket.
  • In case the insurer refuses to provide the cashless claim settlement facility, you can then opt for the reimbursement facility and submit relevant documents.

Documents Required For Filing United India Health Insurance Claim

Now that you know in detail both about the cashless and reimbursement method of filing a claim with United India Health Insurance company, you must be wondering about what important documents you are required to submit. Have a look!

Documents that you have to submit while filing the health insurance claim with USGI

  • All the original hospital bills
  • Completely filled claim form
  • Original diagnosis reports, investigation reports and medical bills
  • Papers that suggest future check-ups for the patient.
  • Photo ID of the patient
  • Prescription by the attending doctor that suggests hospital admission
  • Payment receipts
  • Discharge papers that carry the medical history of the patient
  • Operation details certified by the surgeon (in case of surgery)
  • Bank details (NEFT) and cancelled cheque
  • Legal succession/heir certificate if necessary

Copayment Process Under United India Health Insurance

As per the copayment system under the United India Health Insurance policy, the policyholder needs to pay 5% of the claim amount, and the remaining amount will be paid by UIHI after claim approval.

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