Hospital Insurance Claim Precautions Guide
📝 Pre-Admission Checklist
- Ensure an initial diagnosis has been conducted by a general practitioner.
- If specialist treatment is needed, obtain a formal referral from your doctor.
- Before making an appointment, confirm that the clinic or hospital is in the insurance company’s panel network.
📄 Before Applying for the Guarantee Letter (GL)
- Obtain a treatment plan or surgical recommendation from your doctor.
- Prepare related medical records, test results, and the referral letter.
- Submit complete insurance documentation to the clinic or hospital.
Important Reminder: Be sure to receive approval for the Guarantee Letter before undergoing surgery or treatment. If not approved, you will need to pay first and submit a claim for reimbursement afterward.
❌ Common Reasons GL Applications Are Rejected
- The treatment is not covered under your policy.
- Inconsistent or undisclosed medical history.
- Incomplete or incorrect documentation.
- The policy is expired or payments are outstanding.
💡 Tips to Improve Approval Success
- Use clinics or hospitals listed in the insurance company’s panel.
- Keep your medical history clear, consistent, and fully disclosed.
- Familiarize yourself with the policy’s terms and coverage.
💰 Claim and Reimbursement Process
- Keep all receipts and medical documentation after treatment.
- Eligible expenses must be submitted for reimbursement within three months.
- Follow-up treatment expenses (e.g., return visits) can be submitted within six months.
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