Healthsmarttalk.com

Healthsmarttalk.com www.healthsmarttalk.com is No.1 Health Portal which resolves health issues through Preventive, Curat

www.Healthsmarttalk.com speaks about preventive care and curative with a base of spiritual it is a triangle which is interdependent and is inspired from Srisatya sai baba and his Medicare mission.sairam.

Wish all the readers Happy Sankranti/Pongal/Lohri
15/01/2020

Wish all the readers Happy Sankranti/Pongal/Lohri

14/01/2020

What should be my Suminsured.

It should be atleast 3 lakhs, 5 lakhs and above.

What is CB amount

For every claim free year you will get increase of Suminsured bt 10 percent for 3 lakhs it will be 3lkahs and thirty thousand.

Do check every year your CB balance amount.

12/01/2020

Use your insurance judiciously.

Get desirable Suminsured and use available amount Of Suminsured Judiciously.

Yes bills of hospital are sky rocketing also it depends on type ailment and severity of disease.
and other utilities and amenities.

Learn to use your insurance judiciously.

How

Be aware of nearby hospitals, doctors available, and basic charges like room,nursing consultations investigation etc.

This will help you decide Selection and understand that your Suminsured is your cash available which is going to be paid by insurance company behalf of you.

Once you waste the money in any further admissions you are out of money and you feel pain of paying money more.

Select appropriate room with reasonable charges as mostly your other charges like consultation, investigation and surgery package all depends upon type of room you select.

Check visits and cross consultations are appropriate and not unnecessary.

Check your discharge is happening on appropriate time.

Don't unnecessary lengthen your stay as hospital related infections are common and it will add to burden of paying more money to hospital.

12/01/2020

Share early and all details to insurance company during cashless.

Well, Admission at hospital doesn't mean you are exempted from reaching by insurance company.

Definitely Insurance company will investigate in to all the details.

Make sure you have all previous consultation papers, Previous admissions discharge summaries,investigation report with you especially if you have any chronic ailments
For eg Epilepsy Hypertension, Diabetes etc
Share correct information and help insurance companies settle your claim earliest.

Remember always coordinate with TPA help desk and billing sections for early disposal.

12/01/2020

Waiting for settlement of claim one day, 2nd day,5 days,10 days..waiting is unending...

Have you checked your email communication ...any courrier from insurance company..
any message .....

First cross query yourself did i provided correct Email id, Phone no. and home or communication address's to insurance company if no then immediately call to toll free no. Or dedicated line with details of Policy no. and member id and get updated with status.

If yes ,then timely communication about status are sent from insurance company and you are aware of what is happening with your claim.

Status may be in query, rejected ,paid or investigated.

10/01/2020

Is it really important to intimate the claim.
When it should be done.

Intimation is the first contact or very first interaction for your your claim with insurance company.
Definitely this interaction is very important for insurance company and they wish to guide their privilege customer for a smooth journey for rest of the process.
Generally intimation can happen through dedicated email id or through call centre.
Insurance company will greet you,welcome you and update you with a unique number to track your status of claim throughout this journey within 24 to 48 hrs
They may also share necessary list of documents and other essential information first hand for your smooth journey throughout the process

Whenever you are get admitted or planning to admit for your planned surgeries or in any emergency accordingly one must inform to insurance company and next step comes sending the documents to insurance company after discharge.

06/01/2020

My Health insurance Goals

Yes, i workout daily,eat a balanced diet and I am cheerful throughout my day.So, I may not need insurance and definitely i will not go for it.
Stop here &

Review your thinking...
Setting you insurance Goals is important you may be not aware how body will respond to any triggers and it warrant long stay in hospital. First priority should be for basic needs i.e coverage for hospital stay and which pay all essential bills So a insurance plan or product with benefits which satisfy basic needs one must purchase or opt.

If we go one step ahead and think of more riders or coverages then a product with OPD coverage, Dental checkup, Domicilary coverage, less tenure for pre-existing coverage one can opt.
.if you are thinking of lot many benefits and coverages in one bundle. Then there are many wow products which offers Global coverage regular health checkups, restore benefits, No capping limits, which pays all non payables, Exhaustive day care coverage list, Coverage for medically advanced procedure or Robotics,free from non disclosures, covers many pre-existing ailment, compassionate travel and pay even your stay charges purchase then a thought to get all such benefits should be considered.

05/01/2020

Claim form in health insurance

Claim is one of the manadatory document which has section A B C to be filled by customer, Hospital.
Each detail in claim form is important from Personal details to ailment details and previous history, Claimed amount, hospital and doctor details

It helps for easy assessment of claim as assessor get more clarity

04/01/2020

Prevent your health policy getting Cancelled.

Your one correct step can help you enjoy you and your family benefits of health insurance for longer time

Question is how

Asnswer is simple disclose every ailment you have while purchase of policy .

Why

It will help underwriting to take some extra premium or apply some restriction and continue the policy

Else

There are high chances claims team can find ailments which are chronic or beyond policy in many ways and policy will get terminated.

So share correct details and enjoy benefits of health insurance

04/01/2020

List of documents mandated for submission of your claim.

1.Claim form

2.Cancelled cheque with correct name of person and along with IFSC and account no.
Remember that name should match with name in the policy copy.
Insurance companies always pay amount in the name main member in the policy accordingly submit cancelled cheque.
3.Original discharge summary with full details of treatment done.
4.Original Final bills with cost wise date wise and breakup of each item to give correct clarity
5.Original investigation reports,pharmacy bills
Name on pharmacy bills and investigation should be of admitted patient.
I'd proof like Pancard, Voter I'd aadhar card passport etc

Name on all documents should be same as of I'd proof and submitted ID proof Details should be as per policy copy.
6. Original payment receipts.

04/01/2020

List of documents and submission to insurance company.

We often forget this and that document asd suffer mental agony and start blaming processes.

It is always said prevention is better but i will insist you too also be alert and aware always.
Ignorance is root cause of evil.

Remember to first keep one copy of document with you whenever you submit .

Your document comprises Financial document and non financial documents.

Financial documents has to be original well stamped by hospital and signed by authority.
It includes Final bill, payment receipts.

Non financial documents which are discharge summary,Indoor case papers, Investigation and Pharmacy document has to be original but in case they are lost insurance companies do accept photocopy well stamped and authorized by issuing entity.
So be vigilant on checklist of documents and save time money and useless efforts

01/01/2020

Cashless Vs reimbursement

Cashless claim is hassle free without any involvement of customer it is between Insurance company and Hospital

Reimbursement claim is between customer and insurance company

Cashless claim is settle fastest within few hours

Reimbursement claim may take up to 30 days and even more under some circumstances

In reimbursement claim for every raised query customer had to get all documents from hospital and submit it to insurance company.

In reimbursement claims chances of getting admitted in blacklisted or cautious hospital may he high.

In reimbursement claim charges charged by hospitals are high and suminsured amount getting zero is high which may prevent further admissions.
Reimbursement claim more manual efforts are involved from customer end.

Therefore always go for Cashless admission in hospital.

Network hospitals are equipped with Good professions and they meet good standards of NABH.

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