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Death in Hospital, How to Deal?

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To overcome the loss of a loved one is one of the most difficult situations of life and one has to deal with it what so ever comes. Over and above this, if somebody has to deal with huge expenses of hospitalization, medical bills and arrange for the funeral without any financial support, it may create tumultuous situation for anybody.

Does your Health Insurance provide death cover?

In India, health insurance plan does not provide the death cover to the Insured person. But there are few customized health insurance plans like personal Accident insurance that covers accidental death or permanent total disability. Health plans covering Critical Illness or life threatening diseases are also available but such plans provides the Coverage only prior to death.

Although personal accident insurance or critical illness insurance are also available in the form of Riders that are inbuilt with some of the health insurance plans and can be opted at the inception of the plan. To avail this benefit, a person may need to pay a nominal amount added to health insurance premium.

Death in hospital

Now, if we talk about the procedure, the moment the insured person is rushed to hospital in case of emergency, the Insurer should be informed so that the company can take necessary actions to precede the treatments.

When the person is ill and needs to be hospitalized urgently, rarely the care takers know about the procedures to go through. Therefore, they do what seems to be the need of the hour. Health insurers understand this and are flexible enough in their operations regarding the same.

Still, health insurance Policy is one of the most important documents in the whole process; so, one should have these documents handy whether the policy holder is hospitalized due to any critical illness or just due to any accidental reasons.

How to raise claims in the event of death in hospital

When the death of the insured happens to be in the hospital, there are various points to bear in mind so that the situation can be handled with no difficulty. One can raise the health insurance claims only when he is aware of the elements of the health insurance policy such as health insurance Premium and coverage, amount of sum assured, time when the policy will get terminated etc.

In order to raise claims the first thing you should do is to inform the health insurance company regarding the matter in writing and then submit the required documents.

Required documents

Besides having health insurance policy papers, there are various other documents required to raise the health insurance claims:

  • Claim form filled and signed by the nominee
  • Death certificate
  • Hospital receipts when the insured was hospitalized
  • Hospital report
  • Post mortem report
  • Discharge card
  • No objection certificate
  • Indemnity bond
  • Any other documents required by the health insurance company

Consider the coverage level

Prior to filing for health insurance claims, you should know what the coverage level of health insurance policy is, so that you can raise the Claim accordingly. Every health insurance has its own norms, so you need to check that besides the medical expenses and treatments undergone, what else they cover. Do they also cover room rent charges, ambulance charges and other miscellaneous expenditure? If they cover all the above mentioned expenditure and in case you have already paid for the same, you can also claim for reimbursements, even if Hospitalization took place in one of hospitals which is not covered under the network of the insurer.

Once you have filed for claims, the insurer’s staff will soon contact you to settle the claims. Many times, it has been seen that the insured person dies at the time of treatment. In this case, the claim raised for the same should be given to the nominee.