How to Claim the Maternity Cover in Care Health Insurance
If you’re expecting a baby and have maternity coverage in your health insurance, it’s important to know how to claim it when the time comes. Here’s a simple guide to help you navigate the process smoothly with Care Health Insurance.
Know Your Policy Inside Out
The first step is to understand what your policy offers. Most maternity covers come with a waiting period, usually between 2 to 4 years, before you can claim anything. Make sure you check:
- Waiting period: You’ll need to have the policy for a certain amount of time before you can claim maternity expenses.
- Coverage limits: There’s usually a cap on how much you can claim for maternity costs, so it’s important to know how much your policy covers.
- Cashless or reimbursement: Some policies allow you to go cashless at network hospitals, while others might require you to pay first and then file for reimbursement.
For Cashless Claims: Get Pre-Authorization
If your policy offers a cashless claim option, you can have the hospital bill the insurer directly instead of paying out of your pocket. Here’s how it works:
- Choose a network hospital: Make sure you choose a hospital that’s part of Care Health Insurance’s network.
- Submit pre-authorization: This is a form you or the hospital will fill out and submit to the insurer. It tells them you’re going to use your insurance for the maternity cover.
- Approval: Once approved, the insurance company will take care of the bill directly with the hospital.
Documents for Cashless Claims
To make the process smooth, you’ll need to have some documents ready:
- Your health insurance policy details
- A valid ID (like an Aadhar card or PAN card)
- The cashless claim form (filled out at the hospital)
- Any medical records, if required
For Reimbursement Claims
If you’re not at a network hospital or you don’t want to use the cashless facility, you can still claim your expenses through reimbursement:
- Submit your documents: Keep all your bills, hospital records, and receipts safe. After the delivery, you’ll need to submit them to Care Health Insurance.
- Documents needed:
- Policy details and ID proof
- All maternity-related medical records
- Original hospital bills and prescriptions
- Discharge summary and diagnostic reports
- Claim approval: The insurer will review your documents and reimburse you for the eligible expenses, depending on your coverage.
Don’t Forget Postnatal Care and Newborn Coverage
Your maternity cover might also take care of postnatal care and vaccinations for your newborn. Be sure to check the details of your policy and submit any additional bills related to these for reimbursement.
Track Your Claim
After you’ve filed the claim, you can keep an eye on its status through Care Health Insurance’s online claim tracking system. It’ll give you peace of mind to see your claim moving forward.
Read This Also: Care Health Maternity Insurance: Comprehensive Protection for Expecting Mothers