Amid the many benefits provided by health insurance, there are still many people who are not aware to start using it. Ignorance and the assumption that the way health insurance claims are complicated is still one of the considerations that make people reluctant to have it. How to claim insurance is not that difficult, you know! Here we summarize how to claim health insurance for you!
Definition of Insurance
Claim Insurance claim is an official application sent by the policyholder to the insurance company as the insurer, to exercise the rights of the policyholder as stipulated in the insurance policy. This insurance claim is a right that must be accepted by you as a customer, as long as you pay insurance premiums regularly.
For example, when you have dengue fever and need to be hospitalized, you can file an insurance claim with the insurance company. Later, the insurer will pay the cost of hospitalization along with other costs by the benefits listed on your insurance policy.
Pain later in life, and the loss of wealth is not something we can control alone. If this happens in the future, of course, you will suffer losses and also bear the risk. Well, this is where the insurance claim functions, namely as a transfer of risk. With the transfer of risk, you don't need to bother anymore to accept the burden because the insurance will take the risk.
Documents Required When Claiming Health Insurance
Before knowing how to claim health insurance, there are several documents that you must prepare first. In general, these documents consist of:
A claim submission form can download on the insurance company's website
Filled and clear medical resume
receipt of treatment
details cost Complete
Details of drugs
Photocopies of diagnostic examination results, such as x-rays, laboratories, etc.
How to Claim Health Insurance in General
In addition to preparing documents related to insurance claims, there are several things that you must make sure of before making a health insurance claim procedure. First of all, make sure your health insurance policy is active by paying the premium regularly.
Second, make sure that the disease you are suffering from and want to claim is not included in the exception. Because of the health insurance policy, some diseases experience exceptions.
Then, call and let a salesperson know if you're being treated. Usually, they will inform steps on what to do. Don't forget to save all the documents mentioned above to make this claim process easier. When you are allowed to go home, make an insurance claim as soon as possible. Because insurance companies usually set a maximum deadline of 30 days after the incident.
Here's how to claim insurance that you can follow:
Send the original claim form along with supporting documents manually to the insurance company office or you can also upload the claim form along with the claim document online through the insurance company's website The insurance
company will check
When it's complete, the insurance company will disburse funds according to the benefits obtained
2 Easy Ways to Claim BNI Life Insurance
As one of the health insurance service providers, BNI Life presents innovations to speed up the insurance claim process, you know! There are 2 ways to claim insurance that you can choose as a participant, namely:
1. Claim 25 Minutes
The benefit claim process can be covered with a nominal value of up to IDR 10 million via transfer in just 25 minutes. The submission method is also easy, where customers just need to come and submit complete documents to the Customer Care Center located at the BNI Life Head Office. Furthermore, BNI Life will verify what benefits the customer will get, and then the benefits will be liquid.
2. 1 Day Claim
The benefits that can be covered in this way are up to IDR 100 million. Well, one-day service, the submission method is not much different from a 25-minute claim. However, several other, more detailed documents are needed according to the service product to be claimed. After the document submission and verification process is carried out, the benefits will be disbursed within 1x24 hours.
Protect Yourself and Family with BNI Life Plan Multi-Protection Plus
Apart from protecting yourself and your family with health insurance, protecting your life in the future is no less important. life insurance product unit-linked designed to provide optimum protection and maximize the investment portion. You can get two main benefits, namely death benefits and investment benefits.
In addition to the minimum premium starting from IDR 200,000, you can also get other additional benefits. Starting from protection from critical illness and guaranteed hospitalization as well as surgery, accident care, and lifelong care. Not only that, you can get protection and benefits for parents and spouses with a sum assured up to 200 times the basic premium.
What are you waiting for? Let's protect ourselves and our loved ones with BNI Life Plan Multi-Protection Plus!
Input video: https://www.youtube.com/watch?v=TV1wLwtNclM
