Family Health Insurance Policy follows the same claim reimbursement process. But, you should not forget to check the terms and conditions of the claim process of the company they owe the health insurance policy. The policyholder should understand the claim settlement process of the insurance policy and should check the settling of policy claims. Please go through the following steps while filing a claim:

STEP 1:

You need to fill a claim settlement form along with all the information required that should be true to your knowledge.

STEP 2:

Originals of medical bills, receipts, and doctor's prescription.

Post-hospitalization Expenses:

Any medical expenses after getting discharged from the hospital would be liable to get cover. For example, medicines, or any medical tests done after the discharge to check the improvement.

STEP 3:

The originals should be duly attested from the hospital itself where the treatment will be done.

STEP 4:

Necessary documents like patient's Identity card, policy documents, insurance card, and other documents asked by the insurer should need to be submitted during the claim settlement process.

STEP 5:

After proper verification from the insurer's end your claim will be settled by them.

STEP 6:

Make sure to claim for individual health insurance first if you have any, this will benefit you in a much more convenient way.

Eligibility for Family Health Plan

Entry Age for the Policyholder/Proposer

When it comes to family, the eldest member of the family become the policyholder, and he/she should between the age group of 18 to 65 years. But there are a few insurers as well that offers the policy up to the age of 70 years and above.

Entry Age for Family Members

For Adults:

The minimum entry age is 18 years, and the maximum is 65 years, while some insurers also acknowledge a person of 70 years and above.

For Dependent Children:

You can insure a baby of 90 days (this may vary, some insurers may allow it from 30 days and some may have different entry age) to 25 years.

Medical Tests

There are a few insurance companies that can ask you for medical tests. While there are a few companies that can entertain you without a medical test for up to 45 years.

Eligibility for Renewal

Most of the insurance companies are providing a lifelong renewal option. You need to renew the same on time to keep it active. After the due date of renewal, the insurer offers a grace period of 30 days. If you want to keep the policy in force, you must renew before the grace period ends or else the policy terminates.