Page 10 - Policy Handbook For DDU Employee -V-1

INDO-DDU-V1

For Online assistance during hospitalization and filing of claim documents and Mediclaim policy (Term
and Conditions) you can visit at customerfirst@religarehealthinsurance.com or you can directly call on
toll free no. +18660-500-4488.
Claims Processing and Reimbursement

The following documents are required for processing claims if the treatment has been done in a non-
network hospital / In a network hospital.

Following documents are required for processing your claims on reimbursement basis:
 Claim Form properly filled and signed by the claimant
 Discharge Certificate from the hospital
 All documents pertaining to the illness starting from the date it was first detected i.e.
Doctor's consultation reports/history
 Bills, Receipt
 Cash Memos from hospital supported by proper prescription
 Receipt and diagnostic test report supported by a note from the attending medical
practitioner/surgeon justifying such diagnostics.
 Surgeon's certificate stating the nature of the operation performed and surgeon's bill
and receipt Attending doctor's / consultant's / specialist's / anesthetist's bill and receipt,
and certificate regarding diagnosis
 Certificate from the attending medical practitioner / surgeon that the patient is fully
cured
 Along with your Cancelled Cheque, Mediclaim card, Address proof and I Card.

Reimbursement of claim

 The claim will be reimbursed within 15 days after receipt of complete documentation from the
client.
 You can avail cash less facility / Reimbursement within 30 days, Mediclaim policies have a
waiting period of 30 days. Only accidents if occurred during the first 30 days of the policy are
covered. Any other disease is not payable.

Rejection of the claim and remedy
The TPA can reject / deny your claim based on their evaluation / analysis. The rejection letter
will cover the reasons for rejection of the claim.

Remedy:- In case you are not satisfied by the reasons for rejection, you can represent to the insurer
within 15 days of such denial

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