19 April 2017

Maybe you already know yes, that filing a health insurance claim is much different from buying insurance products. Ga believe? Try to post in the online media with the topic "Looking for the best health insurance". Approximately an hour later, your post was already covered by insurance agents from various companies, tubs of sugar found ants. Ask These 10 Things] Ok, one thing to keep in mind is the health insurance claim is not difficult, as long as it is in accordance with the policy. So, be a wise consumer, always look at what you sign. One of the most important points you should understand from your health insurance policy is the method of claim. The claim method is generally divided into two types of health insurance: Cashless Reimbursement These two methods have their respective deficiencies and advantages. Even so the same goal to delegate your medical bills to your insurance company. Let's discuss the two methods further.

Cashless rtpa9 Cashless method is a method where you do not need to spend money to make insurance claims. How? Rather than confused, let's look at an example that has made insurance claims with cashless method. Rizal, 25, suffered a motorcycle accident that caused his hand to break. So that night, Rizal entered the hospital that has a cooperation program with the insurance provider. With cashless insurance, Rizal just needs to register by completing the data themselves and swiping the insurance card on the machine provided. After that, Rizal can breathe a sigh of relief because there is no need to worry out much money for his treatment. Delicious huh? Eits, there are some things you must understand before you can make insurance claims as smooth as Rizal. We discuss each of the deficiencies and their advantages. Read: HEALTH INSURANCE AGENT

(+) No Need to Quit Money The cashless method eliminates the need for policyholders to have the necessary cash in this kind of health emergency. Since the claim is made directly in front, then the hospital bill is already covered by insurance from the beginning. (+) Can Direct Entry If you enter a hospital that already has a program of cooperation with an insurance provider, you can go straight in without having to bother to complete various forms. Just complete the data yourself, swipe the insurance card, and immediately strolled in. Unless you have an accident that interferes with the function of the foot, then you will enter in a wheelchair. Can not walk. But although it sounds like the easiest method, cashless also has its own shortcomings. Like .. (-) Choice of Restricted Hospital If you read carefully the above cashless profits, you will immediately realize the shortcomings. Yes, not all hospitals provide cashless insurance claims facilities.

And not all that provides cashless insurance provider has a program of cooperation with the hospital that you will occupy. Reimbursement prepagas-1 This is a method that existed long before the cashless system was introduced. With this traditional method, you still have to cover all your hospital bills yourself. Later, you just make a claim to your insurance provider by including all bill payment receipts. For example, let's take Rizal's accident again. Indeed Rizal pity, but this is the price he must pay for the understanding of all readers. This time, he went to a hospital that did not provide cashless features. That way, automatically Rizal must have had some emergency money he could use for this situation. He goes in and out like a typical patient. This means he has to pay the hospital bills from his own pocket first. Later, Rizal will contact his insurance provider to file a claim by including all the billing receipts he paid for at the hospital. If accepted by insurance, then all Rizal's money will be replaced.

It seems not a difficult choice when compared with cashless so easy. However, the reimbursement method has its own advantages and disadvantages, such as .. (+) Unlimited in Certain Hospitals Because the focus of the reimbursement method is the replacement of patient money already paid to the hospital, this method is not limited to certain hospitals. Rizal can seek treatment wherever he will be able to show proof of payment of hospital bills. (-) Must Provide Emergency Costs Unlike cashless methods, reimbursement depends on the ability of the patient to pay in advance all of his hospital bills. Automatic must have a reserve of money that will be used to pay. Without the money, the insurance holder will be able to get to the insurance claim stage because it is stuck on a bill that can not be paid. (-) Longer Process If the cashless cashless method is borne without a long process, then the reverse reimbursement.

Because at the outset already paid by the patient, it is necessary to include very complete information about the chronology and the bills already paid. Then the claim will be checked thoroughly by the insurance before it is approved to be replaced. It is possible that insurance claims fail to be approved if the insurer finds clumsiness in the claim. 706888220p Whether with cashless or reimbursement, there is one thing you can do to smooth the claim process. Reporting claims made as soon as possible after the event will certainly facilitate the process, because the evidence required by the insurance was still 'fresh'. [Read: Insurance Claim Not Difficulty, Just Watch This Tip!] And do not forget, whatever method you use, adjust with the insurance policy. Do not make a claim that is more than what is covered in your insurance policy. If the insurance is only the cost of inpatient room alias, do not ask for replacement drug costs. Later even complicated and ultimately claim to be filled. Whatever method you use, your priority is your health. Choose hospitals and services that provide the best care and according to what you need.