How to Apply Double Claim from Different Insurance

When you first register for health insurance, you may be tempted by the lure of a double claim facility or double claim. Yes, this insurance claim facility is indeed often an attraction for prospective members even though most of us do not really understand what its function is. What you can imagine in your mind is that you can get double compensation by double claims. In fact, it's not like that, you know!

Well, for that you need to understand the purpose of double claim and know how to make the claim correctly.

Is that double claim?

Double claim facilities are actually not much different from ordinary insurance claims, which is to help you get compensation for the medical expenses you have incurred. Even so, the word "double" or "double" does not mean you then get double compensation.

The purpose of the double claim here is that you can submit additional claims to other insurers if the medical expenses cannot be borne entirely by the main insurance (where you are registered).

An example is this: You seek treatment and pay a fee of Rp 600,000.00. However, according to the initial agreement stated on the policy, your main insurance can only replace medical expenses of Rp. 450,000. Well, the remaining costs that are not covered by Rp 150,000 can be claimed by other insurance companies. This is the actual way of working and understanding of the double claim facility.

When can you use this insurance claim facility?

Just like insurance claims in general, you can immediately submit a double claim when or immediately after you pay hospital fees. But with a note: double claim can only be used when medical expenses are not entirely borne by the main insurance and there are remaining bills that you must pay yourself.

This facility also depends on the insurance system you have. Every insurance company has different policies and regulations, including double claims. There may be terms and conditions and the process of completing different files between insurance companies with each other.

In general, if you have two insurance systems that are cashless, then you can use both insurance cards as well as to pay off hospital payments.

While if you have two insurance systems that are cashless and reimbursed, you can use a cashless insurance card for the first payment. Next, you have to 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 claims from two different insurance

Step to double claim is not much different from insurance claims in general, namely:

1. After treatment, ask for and keep the details of the costs not covered by the main insurance
type of insurance, Hospital Cash Plan is

After getting treatment, ask for details of what costs are not covered by the main insurance. Also include some original documents that are legalized. Details of this fee are used as proof of the amount of the remaining bill that you have to spend to be replaced by additional insurance.

2. Complete doctor's certificate

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

3. Fulfill other terms and conditions from the related insurance

Taking care of claims is likely to take a lot of time, effort, and even costs because you can just have to go back and forth to the insurance office. For that, before you submit a claim, you must prepare everything needed.

You can read the terms and conditions of filing a claim in the insurance file that you have or contact the insurance if you experience difficulties. If you meet the terms and conditions, you will be made easy to double insurance claims.

Don't forget, filing a claim also has a validity period. So, the process of arranging a claim should be no later than 30 days after you received treatment or returned from the hospital after hospitalization.

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