Reimbursement Claim
Stages of a reimbursement claim cycle
A claim is a formal request to the insurance provider for reimbursement against losses covered under your insurance policy. There are two types of claim processes currently: Cashless claim & Reimbursement claim. In this article, we will be discussing ...
How to check TPA/Insurer details?
TPA stands for third party administrators. A TPA is an intermediary between the insurance company and the insured. TPA's responsibility is to simplify the claim procedure under health insurance policies. TPA is also responsible for expediting the ...
What is the procedure for a domiciliary expense?
As the name suggests, domiciliary is something that happens at or is related to a person's home; so here, domiciliary hospitalisation is a situation wherein the patient receives medical attention at their home, it can involve hospitalisation at home ...
Where should I courier my documents?
Reimbursement claims is a long process since it involves online as well as physical verification from the insurer's end of the documents provided. The TAT for the approval and settlement of this claim is 4-6 weeks. If you want to understand the ...
When are Pre-hospitalisation and Post-hospitalisation expenses not covered?
Pre-hospitalisation and Post-hospitalisation expenses are a great way for an insured to reduce their financial burden and preserve savings. In order to understand what exactly are these expenses, please read this guide. In order to understand how to ...
What are Pre-hospitalisation and Post-hospitalisation expenses?
Almost every GMC policy allows coverage to an employee for pre hospitalisation and post hospitalisation expenses. However, to raise a claim for such expenses, one needs to properly understand what exactly comes under pre hospitalisation and post ...
How can I raise a claim for Pre-hospitalisation and Post-hospitalisation expenses?
Generally, most of the insurers allow an insured to raise a claim for their Pre-hospitalisation expenses and Post-hospitalisation expenses however, this may from insurer-to-insurer. In order to understand what is the time frame of these expenses and ...
How can I get further updates on my claim status?
For Cashless claims, the usual TAT for approval and settlement is 3-4 hours (if no query arises from the insurer's end). However, the TAT for approval and settlement of reimbursement claims can last upto 4-6 weeks. Since, reimbursement claims have a ...
I am unable to select my dependent’s name in the drop-down while raising a claim request. What should I do here?
If your dependent is added in your policy then, this issue shouldn't happen. However, sometimes due to certain technical errors on your browser can raise this issue. What one can do here is clear the cache on their browser then, try logging in again ...
How to fill Claim Form: Part A and Part B?
Claim form is a pre-requisite set of document that is mandatory to be filled while raising a reimbursement claim. Part A of the claim form is to be filled by the employee themselves and Part B of the claim form is to be filled from the hospital's end ...
I am a part of different insurance policies. Can I use all of them to cover different expenses of the same claim?
It is normal for people to be a part of different insurance policies. One might be the policy bought by themselves, other might be a GMC Policy, and they might be added as a dependent in other policies. It's completely fine to be a part of more than ...
I want to cancel my reimbursement claim, what is the procedure for the same?
If you wish to cancel an ongoing or a duplicate reimbursement claim, please reach out to the claim associate assigned to you over e-mail. Alternatively, you can share a request to cancel the claim over claims@nova-benefits.com with the following ...
FAQS related to Claim Form - Part A and Part B
When an insured is opting for reimbursement claim, they have to fill up the claim form. While Part B of the claim form is not mandatory to fill up in case of raising a claim for pre and post hospitalization expenses, Part A of the claim form is ...
Where can I find claim form, i.e., Part A & B form?
Claim form is required to be filled when the insured is opting to go for a reimbursement claim. When you have been discharged from the hospital, the hospitalization expenses which were paid out of your pocket can be covered by raising a reimbursement ...
What is the status of my claim?
After you file a claim, any development on your claim status will be updated and intimated to you by our team. These updates will be sent to you via e-mail and WhatsApp (on the same phone number submitted by you while filling up the claims form). In ...
What is the time limit for raising a claim?
To raise a claim for cashless facility, you can intimate us by signing in to the Nova Portal any time before your hospitalization. To raise a claim for reimbursement, you should intimate us by signing in to the Nova Portal at the time of your ...
How often can I raise a claim?
There is no limit to the number of claims you can raise for your hospitalization as long as the sum insured by your policy covers your expenses. You can check your sum insured amount by clicking here. If you require any help or further assistance, ...
When will I get my reimbursement amount?
After your documents reach your insurer TPA, the claims process begins and you will receive your claim amount within 4-6 weeks. A reimbursement claim process involves extensive checking, verification and communication between us, your insurer TPA and ...
How do I file for reimbursement after paying hospital bills?
In case of an emergency hospitalisation where the e-card of the patient isn't available or when the insured individual is admitted in a non-network hospital, the patient will have to pay for the entire treatment out of his own pocket and then file ...