How to claim an insurance

Here's how to make the claim and some examples for your reference .

1 - Online Claims ( Bills and Allowances )

Services Hospital Alliance Services ( HAS ), an onlince claim directly from the hospital to insurance agent and you do not have to pay in advance but it will only be effective in the months of 4 starting from the date of the policy ( the date on the medical card ) . This is means that the client must pay in medical bills and charges in the first 3 months of the date of the policy , whether hospitalized in panel hospital or not. Then , all medical reports, bills and receipts must be submitted for reimbursement purposes. However , if the client is hospitalized due to an accident, HSA can be used directly without waiting for 3 months. If the claim using online services ( HAS) , you have to show your medical card to the hospital staff so that they can manage for admission. If there are any problems , you should call your agent immediately. The wise way is you are advised to inform the agent that you are admitted to the hospital. This is to allow your agent is always in a state of readiness in the event of any problems when entering or leaving the hospital.

2 - Claim reimbursement (pay first, then claim )

If you go to a hospital that is not hospital panel , you can also claim the hospital bills. However, all bills must be resolved first , and then you claim to insurance company. Please notify your agent , to enable your agent to provide a medical report form to be completed by the doctor who treated the claim for medical bills.

3 - Claim Hospital Benefit / Allowance Allowance & Surgical ICU without claim bills ( bills claim from the employer or insurance company )

If your employer provides medical coverage for you , you may be eligible to claim all the allowances ( allowance Hospital , ICU Allowance , Allowance Surgical, MC allowance due to an accident ).
You just need the medical report from the doctor who treated you and a copy of the medical bills for the purpose of verifying the number of days and hours you are detained in hospital. This copy is important because if you to detained for 2 days and 6 hours or more , you are eligible for an allowance based on a 3-day hospital .

4 - Accident Claims ( Medical / MC )

In the event of a minor accident and you only get treatment at the clinic , billing charges can be claimed from insurance company. The documents required are original bills and receipts as well as a few reports from the treating doctor says that the medical charges are due to accidents. Insurance company will reimburse claims.

5 - Normal Death Claim (Natural Death)

For death claim , if it is not caused by an accident, the policy holder dies does not necessarily require an autopsy . This is because the doctor a complete report can be used as a reference on the cause of death and related matters . If death occurs , beneficiaries must inform the insurance agent about things that happen . Next, the agent will manage in the preparation of documents and so on. Therefore, it is very important for every policy holder , you are advised to tell a sibling or relatives and friends that you have protection from, and in the event of death , they can inform either the agent or insurance company.

6 - Accidental Death Claim ( Accidental Death )

The same order as above . However , in the case of an accident, usually the police will direct the hospital to make a post-mortem to ensure that accidents are not caused policyholders in the influence of alcohol or some criminal elements and so on.

7 - Period Claims

Claim period depends on the type of claim and the documents required to make a claim . If all the documents claim is complete, usually within 3 or 4 weeks will be able to check out the company. However, it depends on the specific cases . For example , hospital allowance usually faster than claims by death, critical illness or compensation .

Financial Planning

Everyone needs a financial plan whether it is a big plan or small plan , whether involves a lot of cash or a little cash. The important thing is that to spend wisely because of it can be used for some purposes in the future.

Here is the purpose of why we need financial planning :

1. For emergency purposes : we never know if there is something happens beyond our expectations in the future , for example, broken cars , children getting sick , lost phone and so forth . If we do not have some money for this purpose, we have to get it from close people like friends and family.

2. For education purposes : most of us want to pursue the education to a higher level. Due to education fees getting high from time to time, we have to plan our financial to support the education. Furthermore, children's education in the future is also very important

3.For wedding purposes : Now if you want to get married , it's like if you do not have to a few thousands dollar be too difficult, so plan early .

3. To get a children : there is so much expenditure required , for example diapers , milk , medical bills and much more.

4. To buy things that we love : for example we want to buy a cell phone. There is many ways that we can get it, for example , credit card, by installments or cash basis. But to get cash in the meantime for majority of the people are so hard because a lot of other expenses should be prioritized.

5. For medical purposes : Since insurance is very vital nowadays, this is very important to plan especially now the medical cost has increased from time to time.

6. For the purpose of retirement.