Double insurance claim (double claim), what does that mean?

When you first sign up for health insurance, you may be tempted by the lure of facilities double claim aka double claims. Yes, this insurance claim facility is often an attraction for prospective members even though most of us don't really understand what it does. What comes to mind is that you can get double the amount of damages by making a double claim. In fact, not so, you know!

So, for that you need to understand the meaning of double claim and know how to make its claim right.

What is a double claim?

Amenitiesdouble claim actually not much different from ordinary insurance claims, which is to help you get compensation for medical expenses that you have spent. Even so, the word "double"Or" double "does not mean that you will get double the compensation.

The meaning of a double claim here is, you can file an additional claim with another insurer if the medical expenses cannot be fully covered by the main insurance (where you are registered).

For example: You seek treatment and pay Rp. 600,000.00. However, according to the initial agreement stated on the policy, your main insurance can only cover medical expenses of IDR 450,000. Well, the remaining costs that are not covered for IDR 150,000 you can claim on another insurance party. This is how it works and what the facility actually meansdouble claim.

When can you use this insurance claim facility?

Just like insurance claims in general, you can file immediately double claim during or immediately after you make payment of hospital bills. However with notes: double claim can only be used when medical expenses are not fully covered by the main insurance company and there is a remaining bill that you must pay yourself.

This facility also depends on the insurance system you have. Every insurance company has different policies and regulations, including thesedouble claim. There may be terms and conditions as well as file completion processes that differ from one insurance company to another.

In general, if you have two insurances that are the systems cashless, then you can use both insurance cards at once to pay off hospital payments.

Meanwhile, if you have two insurance systems cashless and reimbursement, You can use an insurance card cashless for the first payment. Furthermore, you must pay the rest of the bill yourself. Proof of payment of the remaining bill, then you submit it to the insurance to be replaced.

How to double claim from two different insurances

Steps of doing double claim not much different from insurance claims in general, namely:

1. After treatment, request and keep details of costs not covered by the main insurance

After getting treatment, ask for details of what costs are not covered by the main insurance company. Also include some original documents that are legalized. These cost details are used as evidence of the amount of the remaining bill that you have to pay to be replaced by additional insurance.

2. Complete the doctor's certificate

In addition to payment receipts, you also need a doctor's certificate. This letter must be included in order to submit a claim to the insurance company. Don't forget to check back carefully; whether the filling in the doctor's certificate is correct or not.

3. Fulfill other terms and conditions of the insurance related parties

Managing claims will likely take a lot of time, effort, and even money because you may have to go back and forth to the insurance office. For that, before you make a claim, you must prepare everything needed.

You can read the terms and conditions for submitting a claim on the insurance file that you have or contact the insurance company if you experience difficulties. If the terms and conditions have been fulfilled, you will be made easier to do double claim insurance.

Don't forget, filing a claim also has a validity period. So, the process for submitting a claim should be no more than 30 days after you receive treatment or are discharged from the hospital after hospitalization.