How To Make A Claim


When simply turning over your insurance ID card isn't enough to ensure direct billing, you'll need to know how to file a claim with your insurer. This procedure can repay you for any out-of-pocket visits and ensure that your medical costs are reimbursed as soon as feasible.

PHOTO SOURCE: Chinnapong

Step 1: Collect Your Receipts

You must first receive an itemised bill from your doctor or medical provider in order to file a claim. This statement will detail each treatment you had, as well as the amount and a unique code that your insurance company will require in order to process your claim. Simply call your provider and inform them that you are making an insurance claim and obtain these receipts. After giving a few pieces of information, such as your complete name and date of service, they should swiftly provide your itemized receipts.

Step 2: Complete Your Claim Form

A claim form is a document that provides further information to your insurance company about the accident or illness in question. This will aid them in determining whether or not the charges you're claiming are covered by your insurance plan, so the more information you provide on this form, the better. Remember that each form should have instructions for filling it out as well as information on how and where to mail it, but if you have any issues, contact your insurance provider. Any additional documentation that you'll need to prepare will be listed on the claim form.

A claim form's typical sections are:

  1. Personal data such as your name, address, and date of birth
  2. Insurance data such as your policy number and group number
  3. The purpose of your appointment, as well as some background information on your condition
  4. Information about the provider, such as the doctor's name and address
  5. Expenses that you have already paid out of pocket

Step 3: Make Copies

It's always a good idea to create copies of your whole claim before sending it to your insurance provider as a precaution. If there is a problem with your claim, keep an extra copy of the completed claim form as well as your gathered receipts.

Step 4: Review your documents, Call your provider, Send them through

Call your insurance company or your financial adviser after you have all of your documentation completed and ready to send. Let them know you'll be sending a claim form, and go over the papers you'll be sending. Ask whether there are any other documents that need to be supplied, as well as how long you should expect the claim to be reimbursed.

You can mail your claim form and accompanying documents to your insurance company once you are convinced that everything is in order. Check your claim form for an address to send it to if you need one. In most circumstances, you'll be asked to mail your claim or submit it through an online portal, however you may be able to send your documentation via email or fax in other situations.

Step 5: Wait for Review Process

There is nothing left to do but wait at this point. Keep an eye on your calendar and remember the claim date given to you by your insurance company when you are contacted. If you haven't received reimbursement for your claim within the time frame specified, contact your insurance carrier. When you speak with someone, make a note of the date, time, complete name (or names), and work positions of the people you speak with to generate a paper trail that you may require if your claim is delayed further.

Apex EP is an authorised group of Financial Adviser representatives from Professional Investment Advisory Services Pte Ltd.