5 COMMON MISTAKES WHEN SUBMITTING A HEALTH INSURANCE CLAIM

5 COMMON MISTAKES WHEN SUBMITTING A HEALTH INSURANCE CLAIM

A claim can become unnecessarily complicated because of simple documentation mistakes.

Here are five common problems to avoid.

MISTAKE #1 — SUBMITTING ONLY THE INVOICE

An invoice proves payment, but the insurer may also need medical documentation to understand the diagnosis and treatment.

Solution: Keep your medical records, prescriptions, test results and other supporting documents.

MISTAKE #2 — LOSING THE ORIGINAL VAT INVOICE

The claims handbook specifies requirements for VAT invoices and states that ordinary receipts are not accepted as substitutes.

Solution: Keep the required invoice safely until your claim is completed.

MISTAKE #3 — MEDICAL INFORMATION DOES NOT MATCH

For example, the name, date of birth or other personal information may be inconsistent across documents.

Solution: Check your documents before submission.

MISTAKE #4 — NO ACCIDENT DOCUMENTATION

If your claim results from an accident, additional information about the accident may be required.

Solution: Prepare an accident statement and other relevant documents.

MISTAKE #5 — SUBMITTING AN INCOMPLETE FILE

Missing documents can result in a request for supplementation and delay the assessment process.

Solution: Use a checklist before submitting your claim.

A simple rule:

Medical documents + financial documents + accident documents where applicable + completed claim form = a much stronger starting point.

The exact requirements will depend on your insurance contract and the circumstances of your claim.