Health Insurance Consulting

Health Insurance is a way to pay for health care. It protects you from paying the full costs of medical services when you are injured or sick. Just like car insurance or home insurance you choose a plan and agree to pay a certain rate or premium, each year, in return, your health insurer agrees to pay a portion of your covered medical costs. It’s not only compulsory for our good health but also for our life security.

1. Why a person require health insurance

Kindly note that health insurance is not a requirement for our family in fact it’s a mandatory part of our daily routine life cause according to World Health Organization, In 2015-16 77% persons spent their 45% annual income in hospitalizations

2. What you have to do (Process for Cashless/Reimbursement Admission)

Whenever you get sick or suffering from any type of emergency you should go to hospital’s TPA Department with following documents;

  • Patient’s TPA/Insurance Card with Current Year Policy paper.
  • Patient’s Photo ID Proof.
  • Any documents related to past history of the patient
  • Patient’s Contact detail

You are requested to provide all above said documents as earliest in case of emergency admission and if you are getting planned admission you can provide the all above said documents before 48 hrs of the admission at hospital’s TPA department.

  • The hospital will intimate immediately to your insurer and send documents for pre authorization, further they receive response for the same. The insurer may take 4-5 hrs for this process. So you are requested to keep passion and co-operate with hospital administration.
  • At the time of discharge hospital will send final bill with discharge summary to your insurer and again insurer may take 4-5 hrs for this process. So you are requested to keep passion and co-operate with hospital administration.
  • At the time of discharge hospital gives you a copy of discharge summary and investigations report for your future references.
  • Some of expenses which incurred before your hospitalization and after hospitalization will be submitted at concern insurer and get back reimburse by you directly.

OUR SCOPE OF SERVICES (HEALTH INSURANCE CONSULTING)

Team KR is also your one stop solution for all your mediclaim needs. We do analysis your requirements and then suggest best health insurance plan to you. We are working with a pattern like ‘A to Z’ work and where ‘A’ means to getting to know the different options available, to the ‘Z’ of getting the final policy document in your hand. We are working also as a partner with you at every step. Our satisfaction lies in the knowledge that you are contended with the policy that you have, and that the policy features cover all your medical insurance needs. In fact, we will not rest till we get the perfect policy suited to your needs.