How to file a claim with Reliance Health Insurance?

How to file a claim with Reliance Health Insurance?

Reliance General Insurance Company is acclaimed for its streamlined and customer-centric approach to health insurance claims. At Reliance General Insurance, the focus is not only on the speed but also on the clarity and ease of the claim process. This guide is meticulously designed to provide a comprehensive overview of the claim filing steps under a Reliance General health insurance plan. It includes detailed insights into each stage of the process, from initial submission to final resolution. It highlights the various support channels available to policyholders, ensuring that your experience is as informative and stress-free as possible.

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Ways to File a Reliance Health Insurance Claim

Reliance General Insurance Company provides two distinct options for filing claims: cashless claims and reimbursement claims.

1. Cashless Claims:

   Reliance General Insurance offers a simple cashless claim process within its network of affiliated hospitals. This option enables policyholders to undergo medical treatment without the worry of upfront payments, which is particularly useful in emergencies. The claim process is designed for quick and easy resolution. Additionally, Reliance General Insurance provides an online directory of network hospitals for easy access to the policyholders.

2. Reimbursement Claims:

   In cases where medical treatment is obtained from hospitals outside the insurer's network, Reliance General Insurance offers a clear reimbursement process. Policyholders are required to pay the hospital bills initially and then file for reimbursement. This method allows a greater choice of healthcare providers, catering to different medical preferences. The reimbursement claim process is methodically organized to ensure smooth and timely claim processing and settlement. Maintaining a detailed record of all medical expenses and documents is crucial for a smooth reimbursement claim process.

How to File a Reliance Health Insurance Claim Online with Policybazaar?

For Policybazaar customers, initiating a health insurance claim online is simple. Adhere to these steps on Policybazaar.com:

Step 1: Promptly inform Policybazaar's claim support team about your hospital admission by calling 1800-258-5881 or sending an email to care@policybazaar.com.

Step 2: You can also visit Policybazaar.com and click ‘File a New Claim’ in the ‘Claims’ menu.

Step 3: Select ‘Health Insurance’ and log in using your mobile number and OTP/password.

Step 4: Follow the given instructions and click on ‘File a new claim.’

Once filed, Policybazaar will take over the coordination with Reliance General Insurance Company for your claim.

How to File a Claim with Reliance Health Insurance?

For Policybazaar customers, here's an expanded guide on filing both cashless and reimbursement claims with Reliance Health Insurance:

1. Reliance Health Insurance Cashless Claim Process:

   Here are the steps you need to follow for filing a cashless claim with Reliance Health Insurance

   Hospital Admission and Health Card Presentation:

   Plan your hospital admission by coordinating with the doctor and hospital, and send all details about the hospitalization to RCare Health/TPA two days before your admission. For an unplanned admission, inform the insurer about your hospitalization that has led to a claim within 24 hours. Present your Reliance Health Card at the hospital's TPA helpdesk upon admission.

   Completing the Cashless Request Form:

   Fill out the "Cashless Request Form" available at all network hospitals at the TPA desk. This form is crucial for initiating the cashless claim process.

   Authorization and Documentation:

   Along with the cashless request, submit the authorization form and a copy of your health card to the hospital. Ensure you have a photo ID at this time. The hospital will coordinate with RCare Health/TPA to secure authorization for your treatment.

   Verification, Bill Signing, and Retaining Copies:

   As part of the process, verify and sign all bills. You will need to leave the original discharge summary and other reports with the hospital while retaining photocopies for your records.

   Claim Processing and Payment:

   Following authorization, Reliance General Insurance processes your claim, and the hospital will directly settle the bills with the insurer. Your role is to ensure all documents are accurate and complete for a smooth claim process.

2. Reliance Health Insurance Reimbursement Claim Process:

   Below is a comprehensive guide to help you through the reimbursement claim process with Reliance Health Insurance:

   Hospital Admission and Claim Intimation

   Get admitted to any hospital and inform RCare Health/TPA about the hospitalization as soon as possible. This prompt intimation is vital for a hassle-free claim process.

   Settlement of Bills and Document Collection:

   After receiving treatment, you are required to settle all hospital bills. Upon discharge, collect all original medical bills, documents, and reports that are necessary for filing your claim.

   Claim Lodging:

   Fill in the claim form, attach all required documents, and submit them to RCare Health/TPA for processing. This needs to be done promptly for timely reimbursement.

   Claim Processing and Payment:

   Reliance General Insurance processes your claim following authorization, and the hospital will directly settle the bills with the insurer. You must ensure all documents are accurate and complete for a smooth claim process.

Documents Required to File a Reliance Health Insurance Claim

To ensure a smooth reimbursement claim process, make sure you have the following documents:

• Completely filled and duly signed claim form
• Doctor’s first prescription (with commencement date of the symptom of disease)
• Treatment papers (along with the doctor's prescriptions)
• Investigation reports (X-ray, scan, ECG, laboratory, etc.)
• Original medical bills and receipts (from hospitals, doctors, medical shops or diagnostic centers, all supported by doctor's advice)
• Original hospital discharge card
• Copy of FIR (in case of accident)
• Cancelled cheque or first page of passbook or bank statement
• Photocopy of identification card of patient and PAN card of insured
• Copy of health card

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