How Often Can You Claim Health Insurance?

Multiple Health Insurance Claims Explained

It is possible to claim coverage from your health insurer multiple times within a single policy year as long as the insured amount has not been exhausted. The insured sum is the uppermost limit that can be claimed by a policyholder to meet medical expenses. Star Health Insurance has set no limit on the maximum possible claims that can be raised during a policy term.

A few common questions related to health insurance policy claims typically arise whenever a person is about to submit their claim. These include:

Does the Premium Increase After Making a Claim?

Health insurance policy premiums primarily depend on the policyholder's age and the plan that they selected. However, sometimes, the insurer may slightly increase the premium if they notice a high claim ratio over the past year. This usually occurs when the claims are higher than the premium paid to the insurance company.

Will the Insurer Pay the Entire Money of the Claimed Expenditures?

In a standard health insurance policy offered by Star Health, your claimed amount, up to the policy's coverage limit, is fully settled, subject to terms and conditions. The maximum financial obligation for your health insurance provider could be the amount mentioned in the medical insurance copy. 

However, certain miscellaneous expenses, like laundry costs while you are hospitalised, food costs, etc., are not settled by the insurer. Nonetheless, Star Health pays for your vital consumables expenses, including the usage of hand wash, gloves, sanitisers, etc., while you are admitted to a hospital.

Finally, the claim amount can vary from case to case, and no policyholder is completely denied from the claim if they are hospitalised. 

After How Many Days Can a Policyholder Raise a Claim?

The cooling period for a health insurance plan varies based on the types of healthcare services availed through the policy. Generally, most insurance companies provide you with a clear-cut timeframe from the date of issuing a health coverage plan. 

For Star Health, the typical waiting periods vary between 12-36 months. Still, you must carefully scrutinise your plan papers to check the details precisely. Additionally, if you fail to submit a claim within a predetermined period, your request can be turned down.

Tips to Increase Health Insurance Claim Amount

The following are some tips to ensure your insurance provider approves the maximum possible claim.

• Familiarise yourself with the policy terms and submit a claim accordingly. It will help you avoid last-moment surprises.
• Keep records of medical costs, including hospital bills, treatment notes, receipts from pharmacy stores, etc. 
• Seek medical care from any of the partner hospitals.
• Submit claims within the recommended timeframe to avoid confusion and possible denial.

Finally, if an insurance company refuses to process your claim then you can appeal such a decision. For this, first, you have to read the denial letter carefully and arrange the supporting documents before you can again claim for reimbursement.

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