Dear all
I have mediclaim policy and also entitled to medical allowance (reimbursement) from company also.
can i claim reimbursement from my company by showing xerox copies of doctors bill. As original bill are with mediclaim company and claim is not settled yet.
is company justifiable in not allowing me reimbursement on xerox bills, wat they need is that expense is incurred for which i am claiming reimbursement.
Mediclaim may or may not get settled and moreover mediclaim is my personal arrangements.
Awailing your expert opinion
From India, Vadodara
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I have mediclaim policy and also entitled to medical allowance (reimbursement) from company also.
can i claim reimbursement from my company by showing xerox copies of doctors bill. As original bill are with mediclaim company and claim is not settled yet.
is company justifiable in not allowing me reimbursement on xerox bills, wat they need is that expense is incurred for which i am claiming reimbursement.
Mediclaim may or may not get settled and moreover mediclaim is my personal arrangements.
Awailing your expert opinion
From India, Vadodara
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Dear Himanshu,
Good Case.
1. If your company has Medical Reimbursement health benefits, they will need the orginal Bill. Photocopy of bill is not acceptable. This is done so that an employee does not double claim the same from company as well as Insurance company, thereby avoiding fradulent claims. I am sure you are honest, but that's the book rule.
2. If your Mediclaiom company does not reimburse you or partly reimburse you, you can alsways then submit the orginal bill to your company for your reimbursement, as the Insurance Company will return all the original to you. So don't worry.
Hope that is helpful.
Ukmitra
From Saudi Arabia, Riyadh
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306Good Case.
1. If your company has Medical Reimbursement health benefits, they will need the orginal Bill. Photocopy of bill is not acceptable. This is done so that an employee does not double claim the same from company as well as Insurance company, thereby avoiding fradulent claims. I am sure you are honest, but that's the book rule.
2. If your Mediclaiom company does not reimburse you or partly reimburse you, you can alsways then submit the orginal bill to your company for your reimbursement, as the Insurance Company will return all the original to you. So don't worry.
Hope that is helpful.
Ukmitra
From Saudi Arabia, Riyadh
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@ UK Mitra
But Mediclaim is a seprate contract with insu. co to indemnify the loss and for which premia is paid.then where is matter of double claim.
From co i ask for my right.
and from insu co. it is my indemnity contact, which is a solicited facility and Premia is paid
From India, Vadodara
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But Mediclaim is a seprate contract with insu. co to indemnify the loss and for which premia is paid.then where is matter of double claim.
From co i ask for my right.
and from insu co. it is my indemnity contact, which is a solicited facility and Premia is paid
From India, Vadodara
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Well my friend prima fascia, you cannot claim insurance from two Insurance company on same bill. Its termed "fraud" in Insurance world. In your case Your company is insurance company for you.
Regards
Ukmitra
From Saudi Arabia, Riyadh
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Regards
Ukmitra
From Saudi Arabia, Riyadh
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Hi All,
My company dont have Group Mediclaim policy right now. I was hospitalized for 5 days. Can i claim my medical expenses from my present company.?
Would appreciate your urgent reply on the same..
From India, Delhi
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My company dont have Group Mediclaim policy right now. I was hospitalized for 5 days. Can i claim my medical expenses from my present company.?
Would appreciate your urgent reply on the same..
From India, Delhi
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@ Himanshu: Fundamentally the contract of insurance does not allow for profiting from insurance. You cannot be indemnified, in total / absolute amounts, for an amount exceeding the loss incurred. With this in view, increasingly the insurance companies now do not alow any claims to be passed when documents in whole or part are presented as photocopies.
@ Vinod Pawar: As long as you had some health insurance policy as on the date of admission to the hospital, then you will be covered under the benefits of health insurance cover. This is assuming that the treatment was for an ailment which is covered in the scope of the policy. If you share some more details of the hospitalisation, I may be better able to respond to your request.
Regards, Deepak
Subject Matter Expert - Health Insurance
Deepak@hii.co.in
From India, New Delhi
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@ Vinod Pawar: As long as you had some health insurance policy as on the date of admission to the hospital, then you will be covered under the benefits of health insurance cover. This is assuming that the treatment was for an ailment which is covered in the scope of the policy. If you share some more details of the hospitalisation, I may be better able to respond to your request.
Regards, Deepak
Subject Matter Expert - Health Insurance
Deepak@hii.co.in
From India, New Delhi
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If company does not have mediclaim and if an employee meets with an accident while coming to working general shift, what will be the liability(if any ) on the company/
From India, Delhi
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From India, Delhi
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Understand what is mediclaim and Medical Allowance.
Mediclaim is for hospitalization. The insurance company pays it on behalf of you or reimburses as per the limits prescribed in the policy.
Medical Allowance - This is for domiciliary treatment. Reimbursements up to Rs. 15,000/- are not taxable on the production of original bills.
If you don't have a mediclaim policy, you can claim the hospitalization expenses under Medical allowance up to the limit of Rs. 15,000/- per annum.
Hope it is clear to you.
Pon
From India, Lucknow
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Mediclaim is for hospitalization. The insurance company pays it on behalf of you or reimburses as per the limits prescribed in the policy.
Medical Allowance - This is for domiciliary treatment. Reimbursements up to Rs. 15,000/- are not taxable on the production of original bills.
If you don't have a mediclaim policy, you can claim the hospitalization expenses under Medical allowance up to the limit of Rs. 15,000/- per annum.
Hope it is clear to you.
Pon
From India, Lucknow
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Hi All,
I have health coverage from my company for both myself and my wife. I am planning to apply for maternity claim through my company's health policy. The total expenditure incurred was Rs. 1L, but the maximum claim I can apply for in the case of maternity is Rs. 75k. However, my wife is also a working professional and has health coverage from her company. As my company cannot cover the entire amount, I am wondering if there is a way to merge the policies so that I can at least recover the expenses I have paid.
Regards,
Ash
From India, Delhi
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I have health coverage from my company for both myself and my wife. I am planning to apply for maternity claim through my company's health policy. The total expenditure incurred was Rs. 1L, but the maximum claim I can apply for in the case of maternity is Rs. 75k. However, my wife is also a working professional and has health coverage from her company. As my company cannot cover the entire amount, I am wondering if there is a way to merge the policies so that I can at least recover the expenses I have paid.
Regards,
Ash
From India, Delhi
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