Flu Vaccine | Health Insurance For Swine Flu

Friday, February 5th, 2010

A regular health insurance that covers you against hospitalization can be used for swine flu too. Though the threat of H1N1 is real, the good news is that it is curable and if detected early, one does not even require hospitalization. However just like other types of illnesses, there are the usual caveats that apply. The health insurance policy for swine flu will not entertain claims during the initial 30 days of buying a health policy. Also a person has to be hospitalized at least 24 hours to make a claim.

Making a claim for H1N1Health Insurance: Your health insurance policy would most likely be a cashless policy. If your health insurance does not have a list of empanelled hospitals, you will have to get in touch with your Third Party Administrator (TPA) whose number will be on the card. Typically, if you go to the hospital that does not come under the network, you will have to foot the bills yourself and then ask the TPA for reimbursements.

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Travel Insurance for Swine Flu: Your travel insurance policy can be handy if you happen to catch swine flu while travelling. Standard travel insurance consists of a health-cum-personal accident policy in addition to other covers that cater to baggage and flight inconveniences. Make sure that there is no travel advisory in relation to swine flu for the place you are visiting. So, if you happen to travel to a place much against a travel advisory, the insurer will not give you the monetary benefit.

Here is the procedure to make Swine Flu Insurance Claim:

1. Initiate the Swine Flu Insurance Claim process as soon as you are advised hospitalization

2. Get in touch with the hospital and fill up the pre-authorization form

3. The hospital then take it up with the third party administrator. The TPA which has relevant details about you will approve the authorization.

4. After the policy holder is discharged, the hospital submits the bills to the TPA.

5. In case of delays or rejection of the authorization form, you may need to pay upfront. In this case, keep all the necessary documents ready including the doctor’s consultation slips, diagnosis tests, reports and discharge slips.

Check out information on Swine Flu prevention

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