5 COMMON MISTAKES WHEN SUBMITTING A HEALTH INSURANCE CLAIM
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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.
