Pradaeem Kumar has 11 News online.
General insurance companies in India providing new and improved claim settlement process for better customer satisfaction.
December 7, 2012
Leading general insurance companies in India like ICICI Lombard, HDFC Ergo, Bajaj Allianz, Royal Sundaram etc. are trying to improve their health insurance claim services. The main purpose behind this initiative is to improvise the claim settlement process and make it faster and more transparent.
In today's age every attentive customer expects to interact with the company directly. This initiative will establish a better control on the overall claim settlement process. It will help improve the turnaround time (TAT) and would result in a flawless, hassle free & transparent services during the health claim settlement process.
The increasing customer expectations has forced insurers like icicilombard, HDFC Ergo, Bajaj Allianz, Royal Sundaram etc. to establish better control over all its customer service related transaction. A customer satisfaction survey indicated that most of the customers find those companies trustworthy that provide 100% results during the time of claim settlement. It is the time where it is proved that the company a person has chosen is capable of fulfilling the promises it makes. Therefore, it has become necessary for providers to fulfill customer expectations fully during claim settlement. This is the reason why various companies like icici lombard, HDFC Ergo, Bajaj Allianz, Royal Sundaram etc. decided to take a step forward and introduced a hassle free claim settlement process.
But in order to ensure that health insurance claims are not denied by the insuring companies, policy holders must keep certain points in mind.
Health insurance providers have certain initial limits, which might vary from 30-60 days or even more. During this period they do not offer any reimbursement of medical expenses for certain diseases and ailment. During claims for post hospitalization one must know well in advance the minimum duration of hospitalization, such as 24 hours, 5 days, or even more. Another important thing to keep in mind is that a majority of health insurance providers would ask for original bills for claims settlement. So if a person needs to make settlements from two different providers then he must find out from his provider they will accept duplicate or photo copies to avoid confusion during emergencies.
It is always beneficial to keep these small dos and don’ts in mind and clarify each and every doubt that occurs before settling for a particular health insurance company. Find out about the claims procedure beforehand and follow it religiously with all the required documentation to ensure that the health insurance claims will never be denied.
The person who has posted the above PR is a freelancer insurance agent who has a huge experience in the field of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space since past several years.