As the sole purpose of buying visitor insurance is to help visitors in case of an unexpected health emergency, so the submission and processing of claims should be fast and simple. From consulting a doctor to undergoing a minor treatment in a foreign country, medical costs have skyrocketed which has overall contributed to the huge popularity of visitor insurance.
By providing financial sanity to visitors during their trip, an effective visitor insurance helps them deal with their medical expenses based on the master policy. To avail such services, a visitor needs to file a claim to the respective insurance company. However, to ensure proper reimbursement for the expenses, a visitor must be well versed with the process of claim submission.
Gaining Insights Into Claim Submission
Before getting started with the process of filing claims, visitors are usually confused about the forms to be filled, how to get the required documents in order, and what details need to be presented. After successfully filing their claim, visitors get worried about their timely processing. However, claim submission should not bring anxiety to the visitors. With sufficient preparation and proper attention, the process of claim submission gets simplified and they can be processed well in time.
To ensure a smooth claim settlement experience, policyholders must consider necessary rules and guidelines at the time of buying a policy and initiating its claim as well. Planning to raise a claim for your visitor insurance? Read ahead to learn some tips for timely processing of visitors insurance plans:
1. Begin with understanding the claim submission process. You must be aware of the different insurance plans and their required claim forms. You may seek an agent for help.
2. Once you get the claim form for your visitor insurance policy, it is advised to read the form thoroughly. By doing so, you will be aware of the associated terms and conditions and provide information to the best of your knowledge.
3. Being attentive and cautious while filing a claim can help you get the desired outcome. As the date writing format can be varying for different countries, so you need to pay attention to it. For instance, the USA follows MM/DD/YYYY while in India, DD/MM/YYYY is followed. Also, you must ensure not to make any spelling mistakes as your name should appear the same as given in your identification documents like a passport or any other document. With spelling errors like this, the claim handling process gets delayed.
4. After filing the claim forms, you must attach the required documents for initiating the insurance claim process. This includes the xerox copies of the medical bills for every medication that you received. In case of further requirements of documents like passport copy or visa pages, the claim examiner will get in touch with you.
5. After you are done with filing the claim forms and the necessary documentation, it is recommended to submit these forms within time. As late submitted claims are not entertained and instantly rejected by the insurance company, you must get in touch with the agent for the number of allowable days in your insurance plan. Generally, an insurance company gives its customers a period of 60 or 90 days to file the claims.
6. At last, you must maintain a record of the documents shared with the insurance company for the claim processing. By keeping the copies of the claim forms and medical bills at a safe place, you can access them as and when required.
As insurance claim denial can sound to be disappointing, so it is important to maintain transparency before filing a claim. By keeping the above tips in mind while registering for an insurance claim, a visitor can experience timely processing of their claims in a trouble-free manner.
Read also: Tips for Appealing a Denied Medical Claim