There are several ways to check the status of your health insurance claim. You can check it online on your insurer's website or in person at a branch office. If you purchased your policy through an intermediary, they may also provide you with claim information.
Policyholders seeking medical treatment at a network hospital do not need to go through this process. That is because the Third Party Administrator or TPA at the relevant hospital has already processed their documents, allowing you to receive cashless treatment.
How to Check Your Health Insurance Policy Status Online & Offline?
You can check your health insurance claim status either online or offline. The online method allows you to follow up from the comfort of your home. For the offline method, you must visit your insurance provider’s branch office and connect with an executive or reach out to your insurance agent who helped you buy the policy in the first place.
Importance of Checking the Health Insurance Validity
Checking the validity of your health insurance policy is important for the following reasons-
- It keeps you up-to-date on your eligibility to make medical claims when needed.
- It helps with the timely payment of premiums, avoiding penalties for late renewal.
How to Check Your Health Insurance Policy's Status Online?
To check your claim status online, you need to follow the steps mentioned below:
- Visit your insurer's official website.
- Navigate to the health insurance page. Once there, click on the claim links to get redirected to the claim page.
- The page will show you two options—retail or corporate. Click on the "Retail User" tab.
- Enter the claim number and click on "Proceed."
- The real-time status of your claim request will be displayed on the screen.
You can also check your claim status by sending an email to the customer support email address. Attach a copy of your policy documents and mention the acknowledgement number you received when submitting your claim in the email.
How to Check Your Health Insurance Policy's Status Offline?
The offline process for checking your claim status is slightly more time-consuming than the online one. Here’s how you can do it:
- Visit the nearest branch of your insurer. Carry your policy documents with you. An executive will assist you in learning about your claim status.
- You can also call the toll-free number listed on the insurer's website. Before informing you of the status, the customer service representative will ask for your policy details and the claim reference number.
Remember, checking your health insurance claim status offline could demand more effort and be time-consuming compared to the online method.
What to Do if Your Policy Has Lapsed?
In case your health insurance policy has lapsed, follow these steps-
- Check to see if your policy offers any grace period. Many insurance plans give a 15 to 30-day grace period, during which you can renew the policy without fines.
- Get in touch with the customer service of your insurance provider to understand the steps you can take to reinstate your policy.
- You can buy a new policy if renewing the previous one is not possible.
FAQs
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How often should I check my health insurance status?
You should check your health insurance policy once every month to keep track of the renewal and payment deadlines.
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Can I check my policy status without going online?
Yes, you can call the customer support department of your insurance provider and get an update on your policy.
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What happens if I do not pay the premium for my health insurance policy on time?
If you miss a payment deadline for your policy, it may lapse, and you will lose coverage until it is renewed.
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How to reinstate a lapsed policy?
You can make the premium payment during the grace period to reinstate a lapsed policy. Many insurers provide this facility.
Conclusion
Being aware of your health insurance plan status is important to stay on top of premium payments, which is essential to make any claims in case of an emergency. It is a simple and effective way to prevent a policy lapse. The insurance status can be checked online and offline. If your policy has lapsed, get in touch with the insurance provider to mitigate the issue so that your health and mental peace are always safeguarded.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.