What is the process to claim health insurance?

There are two ways to make a claim against your health insurance policy. The first is to way to have the insurance company reimburse the expenses you have incurred. For this, you have to submit all your medical bills along with a duly filled claim form & a medical certificate to the insurance company within the stipulated time period.

The other way to make a claim is to undergo treatment at one of the network hospitals covered by your mediclaim policy. In this case, your insurance provider will settle your bills directly with the hospital. This is known as a cashless claim as the insurer covers your expenses on your behalf and you can focus fully on your recovery.