What is a CCN in your mediclaim policy and how to get it

When you or a loved one is admitted to the hospital, dealing with medical costs can be stressful. This is where a mediclaim policy helps. It offers financial support to manage hospital bills. But to get your claim processed smoothly, you’ll come across a term called CCN, which stands for Claim Communication Number. It’s a very important part of the mediclaim process. Let’s understand this in detail.

What is the CCN in mediclaim policy?

The Claim Communication Number (CCN) is a special number given to you when you raise a claim under your mediclaim policy. Think of it as a unique ID for your claim.

Every time you talk to the insurance company or third-party administrator (TPA) about your claim, they will ask for your CCN. It helps them find your file quickly and give you updates.

What is the purpose of CCN in mediclaim?

The main purpose of the CCN is to track and manage your claim easily. Here are some of the things it helps with:

• Faster processing: Your claim file is linked to the CCN. When you mention it, the staff can pull up your file quickly, which saves time.
• Status updates: Whether your claim is approved, needs more documents or is under review, all updates are shared based on your CCN.
• Clear communication: If there is any confusion or issue, giving your CCN helps avoid mix-ups. It ensures you’re getting information about your claim and not someone else’s.
• Record keeping: The CCN is useful for keeping a record of your claim. If you want to refer back to it in the future, this number will help locate the correct details.

Whether you’ve opted for a basic mediclaim policy or a more comprehensive health insurance plan, having a CCN ensures your claim is properly identified and processed without confusion.

How to get a CCN from mediclaim policy?

Getting your CCN is quite simple. Here’s how the process generally works:

1. Cashless claim

If you are going for a cashless hospitalisation, the hospital sends a pre-authorisation request to the insurance company or TPA. Once the request is verified and accepted, you will receive a CCN via SMS or email.

1. Reimbursement claim

If you have already paid the hospital bills and are claiming reimbursement, you will need to submit documents such as:

• Hospital bills
• Medical reports
• Discharge summary
• Doctor’s prescriptions
• Identity proof

After submitting these, the insurance company or TPA will review your documents. Once the claim request is registered, they’ll send you your CCN.

In both cases, it usually doesn’t take more than 24–48 hours to get your CCN once the initial claim is submitted. If you’ve taken a family health insurance, each member's claim will still receive a separate CCN, even though they’re all covered under the same plan.

When can you expect to get your CCN?

The CCN is usually shared soon after you raise a claim. The timing depends on the type of claim and how quickly the documents are submitted:

• Cashless hospitalisation: If the hospital has tied up with the insurer, you might receive your CCN within a few hours after admission, once the pre-authorisation form is sent.
• Reimbursement claim: You will usually get your CCN within 1-2 working days after submitting all the necessary documents.

Importance of CCN in mediclaim

Here’s why the CCN matters:

• Reduces confusion

Imagine two people with the same name submitting a claim on the same day. Without a unique number like the CCN, their files could get mixed up. The CCN prevents this kind of confusion.

• Required for all follow-ups

If you call or email to ask about your claim status, the first thing they’ll ask is your CCN. It helps them find your claim file instantly.

• Faster settlements

Since your claim is linked to the CCN, all documents and updates are stored under one reference. This makes it easier for the insurance company or TPA to process your claim quickly.

• Used in all records

If you need to check your past claims, your CCN will help pull up the right records. It’s also helpful during audits or tax filing if needed.

Conclusion

The Claim Communication Number (CCN) is a vital part of the mediclaim process. It’s a unique ID that keeps your claim details safe, organised and easy to access.

Taking care of medical bills can feel confusing, but you don’t have to figure it all out alone. If you’re thinking about getting health cover or have questions, fill in the form on this page. We’ll help you choose the right health insurance based on your needs.

FAQs

• Is CCN and Claim Number the same thing?

Yes, CCN (Claim Communication Number) is often called a claim number. It’s the unique number used to identify your specific claim.

• Can I get a CCN without submitting documents?

No. The CCN is given only after you submit a claim request with at least the basic required documents.

• What if I lose my CCN?

You can contact the insurer or TPA with your policy number and other details. They will help you retrieve your CCN.

• Is CCN needed for both cashless and reimbursement claims?

Yes, it is required for both types of claims. For cashless claims, you get the CCN after hospital admission. For reimbursement, you get it after submitting your documents.

• Can I track my claim using CCN?

Yes, most insurers and TPAs allow you to track your claim status online using the CCN.

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 a certified medical and/or nutrition professional for any questions. 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.