With the trends of the internet and digitalisation, the process of getting any insurance, be it a family or maternity insurance plan has become a lot easier. You can get it online from the comfort of your home. Here is a detailed process for getting your maternity insurance. Read to know.
Process of claiming maternity insurance plan
A maternity insurance policy is a part of the health insurance policy. Under this policy, all the expenses during delivery, whether it is normal or cesarean are covered. In addition, under the maternity insurance plan, you will get benefits during pre & post-delivery care. All you need to do is to visit the official website of your policy provider and choose the maternity plan. Enter all your personal details and get a quote. Once you pay the premium, your maternity insurance will be approved.
Steps to process your maternity insurance claim
However, if you buy a maternity insurance plan then you should know the process of claiming it. To begin with, when you hospitalised the patient, you should inform the insurance company to go forward with the claim process. The claim of a maternity insurance plan can be both, Cashless and Reimbursement.
Well, Once you inform the insurance company online or via toll-free number then submit the claim filing form. The undertaking hospital will verify your claim by submitting the documents of the patient to the insurance company. If you are in the network hospital of the insurer, then the post verification company will assist you with cashless payment.
But, if you are not an in-network hospital, then you will not get a cashless facility but your claim will be processed under a reimbursement plan. With this process, you have to pay the hospital charge and when you submit the documents like the bill & payment receipt then you will be reimbursed by payment.
Documents required for maternity insurance plan claim
There are various documents that you will be required while claiming your maternity insurance plan. Some of the common documents are; Documents of policy, Discharge Summary, Fitness Certificate, KYC documents, Consultation Bill, Original Hospital Bill, Pharmacy Bill, Duly Signed Claim Form, & Admission advice.
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