Medical insurance can be tricky. There may be hidden clauses. Buying a policy is easy, but filing a claim and obtaining compensation and reimbursement is sometimes complicated. Therefore, you must learn the nitty-gritty of filing an insurance claim with your service provider. The regulations set by the Dubai Health Authority (DHA) make it easy to file a medical insurance claim. Let us understand the process.

Process of Medical Reimbursement Claim for Hospitalization

Duly completed and signed In-Patient Medical Reimbursement Claim form by you, your company, and by your doctor/surgeon/physician.
A detailed medical report (including medical history) signed by you and your doctor.
A photocopy of the Attending Physician Statement (APS), clearly mentioning the nature, time, and date of the accident, followed by a surgery, and signed by a registered doctor.
An authenticated hospital bill or discharge letter (discharge slip), mentioning the number of days spent in the hospital or clinic.
If applicable, you need to submit a copy of the local police report if your claim is accident-related.
If applicable, you have to submit a copy of your latest medical reports that have your name and date.

Hospital within the Network

If your hospital or clinic is listed in the network, the claim process is easy and smooth. You don’t have to pay upfront or out of your wallet to the medical center. It is a cashless treatment. Your insurance service provider pays the hospital, clinic, diagnostic center, or pharmacy. You show your Emirates ID or
insurance policy card to the network hospital, and they do the needful. It ensures a hassle-free
experience.

Hospitals Outside Network

You pay for the medical treatment and hospitalization costs, and then get reimbursed. In this claim process, you spend your money. You send the bills and invoices to your insurance service provider to get the money back into your account. Your insurance company thoroughly checks and scrutinizes the authenticity of the bills before reimbursing the amount you spend out of your pocket.

Conclusion

When you partner with reputed insurance aggregators and local UAE service providers like BuyAnyInsurance, the medical insurance claim process is seamless. They have a dedicated claims handling department run by medical experts who take care of your reimbursement needs. It is swift and easy.