Health Insurance Kaise Kam Karta Hain
Aaj ke din lagbag har vyakti apni health ke liye tension me rhta hai. Kyokin ak achi health hi hme sukh pradan krti hain. Isliye jin logon ke pas thoda bahut bhi paisa hai ve log apna Health Insurance Karwa lete hai. Health Insurance ek tarh ka insurance hai jisme vaykti Insurance company ko premium pay karta hai or badale me insurance company health ke kharche ko cover karti hai. Health insurance ke andar health se sambandhit bhot se kharche jese hospital ka kharcha, dawaio ka kharcha, health tests ka kharcha cover hota hai.
Bahut si bimari asi hai jinka kharcha uthana ek aam aadmi ke bas ke bahar hai to es liye health insurance ek aacha option hai. Health Insurance karvana ek bahut hi shi fsla hai. Hamare desh me abhi bhi bahut hi kam log hai jinhone health insurance krva rakha hai. bahut se logo ko abhi bhi health insurance ke bare me puri jankari nhi hai. Hamne aapne es post me health insurance se sambandhit puri jankari ko cover karne ki kosis ki hai, puri jankari ke liye es post ko last tak padho.
What is Health Insurance
Health Insurance ek trah ka insurance hai jo company or dhark ke bich me hota hai. Health insurance me vaykati aapne health ke kharcho ko cover karne ke company ko nischit samy ke premium bharta hai or badle insurance company uske health related khrche cover karti hai. Yh insurance vaykatigat chiktsa labh, hospital kharch, jaruri tests or dawio ke kharch ko bhi cover karta hai. Health insurance ka mukhy lakshy vyakti ko health surkhsha pardan karne hai taki vaykati bimar ke saym bima pase hote huye bhi bhi aapni health ki surksha ke liye tayar rhe. Health insurance vaykti ke sath sath agar vaykti chahe to uski puri family ke health ko bhi cover kar sakti hai eske liye aapko puri family ka insurance karvana hoga.
Difference between Health Insurance and Medical Insurance
Jadatar log ko Health insurance or Medical insurance me kya difference hai es bat ka pta nhi hai hota hai. Adhikatar log enhe ek hi smjh lete hai par ye dono alag alag hai. Dono hi insurance bimari me jarurt ke smay bima dhark ko vitiy sahyta pardan karte hai. Savasthay bima savasthay sambandhit sathitiyo me coverge pardan karta hai jabki Medical insurance medical emergency ki vishesh sathiti me simit or purav nirdharit kavarej pardan karta hai. Agar dono ki tulna kari jaye to health insurance medical insurance se sasta hota hai.
Why should we take Health Insurance
Aaj kal paryavaran pardushan ke karan har insan ki health par bura asar pda hai es karan lagbhag har insan savasthy smsyao se jujh rha hai jiske karan aam aadmi ki jeb par asar pad rha hai. Esi karan aam admi ke kharche badh rhe hai. Esi liye agar aap savasthy bima karvate hai to aap bhavisy ya vartam me biamri par aane wale kharche ki chinta se mukt ho jate hai.
Health insurance claim document
Health insurance claim karne ke liye aapko nimnlikhit documents ki aavsykta hai.
- Acche tarike se bhara hu form
- Agar durghtna huyi hai to uski FIR copy
- Bimadhark ka ID card
- Hospital ve Chemist ke bill
- Doctor v hospital ki report
- Insurance company dvara mnge gye aany sbhi document
Health Insurance Claim Settlement Process
Health insurance me claim settlement ke 2 tarike hai:- Cashless claim or Reimbursement claim
Aage likhe article me hum aapko dono tariko ke bare ne bta rhe hai. Article ko last tak jarur padhe.
Cashless claim parkirya :- Es parkirya me policy dhark ko unhi hospital se elaj krvana padta hai jo insurance company ke coverge network ka hisa hai.
Cashless claim ke liye aap nimnlikhit nirdhesho ka palan kr skte hai
Hospital me admit hone ke 48/72 ghnte ke andar bima karta ko call krke suchit kare. Aapatkalin upchar ke liye company ko 24 me suchit kare. Jab aap hospital me bharti honge to aapko aapna ID proof ve bima karta dvara diya gya savasthy card dikhana hoga. Hospital policy dhark eska mulyankn karega or bima karta ko Pre authorization letter dega. Eske bad bima karta anumodan sanjha karega agar sab kuch shi hai to upchar ke bad hospital ke sabhi kharche bima karta bhrega.
Reimbursement(Partipurti Dawa) claim parkirya :- Agar policy dhark ase hospital se elaj karvana chahta hai bima company ke network se nhi juda to Partipurti dawa kar skta hai. Ese mamle me policy dhark elaj ke kharche ka dava kr skta hai.
Bima karta ki timeline ke anusar hospitalisation ke bare me company ko bataye or sabhi documents ko tyar rakhe. Claim patar ke sath sabhi documents ko bheje, eske bad hi company aapke dvara bheje gye sabhi documents ki janch karegi. Bima niymo or sarto ke anusar aapke claim ka bhugtan kiya jayega or dawa rashi ko bima dhark ke bank aacount me bhej di jayegi.