2 Ways to Submit a Maternity Insurance Claim

  Using insurance is one of the best ways to manage various health risks. There are many protections that can be obtained from health insurance products, including during childbirth.

Maternity insurance will provide protection from pregnancy until after delivery. If you look at the benefits that can be obtained, this one insurance will certainly be very helpful and make expenses during pregnancy to childbirth much lighter.

Basically, there are plenty of maternity insurance products and they are easier to find. The public can find it in the form of BPJS Health services provided by the government and private insurance services.

However, related to the benefits that can be obtained, each insurance company will of course have its own policy. Submission of maternity insurance claims can also be done easily, as when submitting other insurance claims. Customers can choose the most appropriate and easy claim system for them

Here are two easy ways to file a maternity insurance claim:

1. Claim Reimbursement

This claim method is quite complicated and requires more time, when compared to the cashless system. Many insurance companies still use a reimbursement claim system in their services.

In the reimbursement system, customers will seek treatment using personal funds first, then submit a claim to the insurance company after the treatment process is complete. This will be quite inconvenient, if the customer in question does not have enough funds for his treatment.

There are several requirements that must be met to submit a reimbursement claim, including: 

• Identity Card (Photocopy)
• Insurance participant card (Photocopy)
• Receipt of maintenance costs (original) which has been stamped with Rp. 6.000
• Copy of prescription or letter regarding medicines used during hospitalization.
• Medical resume issued by the treating doctor (original)
• Laboratory results and other supporting examinations (photocopy)
• A properly filled out claim form.
  

It is important to complete all claim submission files properly, so that the claim process can run smoothly. This claim can be submitted directly to the insurance agent or the nearest insurance branch company by bringing all the necessary files.

This claim process usually takes a long time, which is around 14 working days. The insurance company will provide news, whether the claim submission is approved or not. If the claim is approved by the insurance company, the funds will be disbursed to the customer's account within 14 working days.

2. Claim Cashless

Insurance that uses a cashless system is generally preferred by customers, because this method is much more practical and easy. Insurance with a cashless system will allow participants to get health services without the need to spend money first.

This is of course very different from the reimbursement system, where the customer must first pay for the treatment fee and then it must be claimed by the person concerned to the insurance company.

In the cashless system, customers also no longer need to worry if the medical costs are not covered by the insurance company. This method will process insurance claims directly when the person concerned is seeking treatment and takes care of administration at the hospital.

This will save a lot of time and make the treatment process much more comfortable. Customers can seek treatment whenever they need health services, even if they don't have money.

There are 2 requirements that must be prepared by maternity insurance customers who will submit claims with a cashless system:

• Insurance participant card
• Identity Card (KTP) or passport (for foreigners).
  

For customers who use insurance giving birth with a cashless system, the claim submission process can be carried out directly at the administration of the partner hospital, where the person concerned will receive health services.

Customers only need to complete the required form and submit the requirements above, so that the claim can be submitted by the hospital administration at that time.

The claim submission will be processed immediately, without having to wait a few days. This cashless system uses the same method as the credit card system, so the results can be known immediately.

The customer in question only needs to wait a few moments and can immediately find out whether the claim submission is approved or not by the insurance company.

Choose Maternity Insurance as Needed

Using maternity insurance services is the best way to manage health risks during pregnancy and after delivery. There are many insurance companies that provide this service, even in reimbursement and cashless systems. Choose the right maternity insurance product and according to your needs, in order to provide maximum benefits.