Claim processing and handing always seem to garner the most sought-after queries at any insurance firm, as it is the most intrinsic part of an insurance service. Therefore, it is important that you know how it works and how you can get the best benefit from your claim process.
There is a fundamental difference between domestic health insurance and temporary insurance, such as visitors insurance. While domestic insurance claims are generally straightforward, without requiring you to fill a claim form each time you avail a service, visitors insurance plans need you to file for a claim even if the provider directly bills the insurance company
Why file a Travel Insurance claim? Although it is a well-known fact that everyone dislikes extra paperwork, filing a claim is not only an important part of availing the benefits of visitors insurance, but also accelerates the process of getting compensated smoothly.
Here are some of the reasons, why you need to file a claim:
- Verifying the Identity of insured person: The insurance company needs to ascertain the details of the insured individual, such as date of birth, name, etc. Only an ID can serve as a legitimate proof. The basic identification that visitors to the USA have is their passport, which works both as personal identification and proof of their legal status as visitors to the US. The insurance company needs to verify the identity and all other related information about the insured person to ensure eligibility of the claim.
- Audit purpose: The US Government insurance law mandates insurance companies to obtain complete documentation before making any authorized payment.
- Preventing Frauds: It is essential for insurance companies to ensure that the payment for a claim is genuine. To protect the insurance industry from numerous kinds of fraud, the claim form and passport information are a pre-requisite.
- Faster Reimbursement or Bill Settlement: Since there are multiple decision makers on a claim, keeping all the details of the insured handy helps insurance companies to effectively communicate with providers, facilitating faster and easier claim processes, thus enabling you to get your reimbursement at the earliest.
