Types of Health Insurance Claims

1. Cashless Claim

In a cashless claim, the insured can avail treatment at a network hospital without paying directly from their pocket. The hospital coordinates with the insurer or Third-Party Administrator (TPA) to settle the bill. The insured only needs to pay for non-covered expenses like consumables or personal items.

2. Reimbursement Claim

If the treatment is taken at a non-network hospital, the policyholder first pays the bill and then submits required documents to the insurer. After verification, the company reimburses the amount as per policy terms.

Steps to File a Health Insurance Claim

Cashless Claim Process

• 📢 Inform the insurer or TPA about hospitalization (planned or emergency).
• 📝 Fill and submit the pre-authorization form at the hospital desk.
• ✅ Once approved, the insurer directly settles expenses with the hospital.

Reimbursement Claim Process

• 💳 Pay hospital bills at the time of discharge.
• 📂 Collect all original documents like discharge summary, prescriptions, and invoices.
• 📑 Submit the claim form and documents to the insurer.
• 🏦 Insurer verifies and transfers the claim amount to your bank account.

Documents Required for a Health Insurance Claim

• 📝 Duly filled and signed claim form
• 🏥 Hospital bills and discharge summary
• 💊 Medical prescriptions and diagnostic reports
• 🆔 ID proof of the insured
• 📜 Copy of the health insurance policy

Why Choose Doorstep Bima for Health Insurance Claims?

• ⚡ Simple and hassle-free claim process
• 📋 Assistance with claim documentation and filing
• 🤝 Quick approvals and smooth settlements
• 👨‍⚕️ Expert advice and personalized claim support

At Doorstep Bima, we ensure you can focus on recovery while we handle the claim process end-to-end.

Final Word

A health insurance claim should never feel stressful during a medical emergency. Understanding the process and choosing the right plan with Doorstep Bima ensures that your family’s health and finances are always protected. Get peace of mind knowing that expert support is available whenever you need it most.