COVID-19: Be Claim Ready With Your Health Insurance Policy

We are currently living in unprecedented times. The number of Covid-19 cases is spiralling across the globe day by day. So, you should certainly take all the precautionary measures to be safe but there are still chances of medical exigencies that can strike at any point in time. We congratulate you on making the right choice of securing your family by buying the right health insurance plan. 

Now that you are financially secured, there are a few simple steps that you must keep in mind to secure yourself in case you or any member of your family gets infected with Covid-19. We have prepared a quick checklist for you which shouldn’t take more than 10 minutes of your time for implementation:

1. Identify hospitals near you.
First and foremost, identify the network hospitals near your area which have Covid-19 treatment facilities. Only if admitted to a network hospital, you can make a cashless claim. It's advisable to shortlist at least three hospitals so that you have a Plan B in case of a shortage of the rooms.  

2. Shortlist the room type.
Depending on the policy you have bought, make sure you are aware of your eligible room category. Most policies allow single private rooms, while some policies also allow high-end rooms such as suites and deluxe rooms. Knowing this beforehand can help you make the right choice of the room.

3. Know the waiting period for Covid-19.
The waiting period is the amount of time the policyholder has to wait before the insurer starts coverage of a particular disease. For Covid-19, most policies come with either 15 days or 30 days wait periods. Make sure you know these beforehand.

4. Keep a docket ready.
Keep a small docket or folder ready. It should contain your health insurance policy, health insurance card, ID proofs, any relevant past medical reports like previous discharge summaries. This is the ready reckoner needed in case you need to rush to a hospital.

5. Keep contact details of your Policybazaar relationship manager handy.
Make sure that you have details of your Policybazaar relationship manager saved, and please inform them about your claim. In case this is for a planned illness, inform prior to hospitalization so that they can make all arrangements. In case of emergency hospitalization, please inform as soon as possible, so that they can assist with a seamless claims experience.

So, make sure you follow these steps to prevent panic in case a health emergency like Covid-19 arises. It's better to be prepared in advance in order to save time when an unforeseen situation occurs.  

Stay Safe and Take Care!

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