PB Assurance: Mediclaims Made Easy

God forbid, you face an accident and your discharge was delayed due to several queries raised by the Third-party Administrator (TPA).

What will you do?

Well, we’re here to offer help in this regard. Policybazaar has come up with a new service called ‘PB assurance’ where you don’t have to face problems when claiming cashless treatment at your nearest hospital. With this service, your treatment will not be delayed for any reason, be it documentation or non-approval of a claim by TPA.

Before we begin to discuss ‘PB Assurance’, let’s see what problems a policyholder can face while at the hospital.

Case 1 - Accidental Hospitalisation:

In case of an accident, you may face problems such as delayed discharge due to various queries raised by the TPA.
As it is the case of an accident, you have to submit a copy of MLC and a letter from the attending doctor for non-alcohol abuse.

Well, this was one scenario. Now let’s consider another situation.

Case 2 - Pre-authorisation Amount:

Imagine a situation where you get hospitalised due to sudden sickness on November 29 and you didn’t receive any pre-authorisation amount against your claim until the next day.
The reason for thiscould benon-submission of some documents such as admission notes, consultation papers containing the details of the line of treatment, and the investigation report.

Now, in such situations, PB Assurance comes to your rescue.

Here’s the Deal:

Taking the Accident Case into Consideration:

Call on our toll-free number 18002585881
Our PB Assurance Expert will meet you and inform the reason for the delay.
The PB Assurance Expert will check the status of the case with the concerned TPA officials.
By communicating with the TPA officials, the PB Assurance Expert will ensure arranging the missing documents and submit these documents.
The PB Assurance Expert then updates the status of the case to the PB team for further action.
The claim will be approved without hassles and the same will be conveyed to you.

Taking the Pre-Authorisation Amount Case into Consideration:

Call on our toll-free number 18002585881
Our PB Assurance Expert will meet you and inform the reason for the delay.
After getting in touch with the TPA officials, the PB Assurance Expert will ensure arranging the missing documents and resolve the queries.
Same will be conveyed to MA Processing Team and the case will be prioritised for further action.
Within 30 minutes you will receive your pre-authorised approval.

Now you must have got an idea, how ‘PB Assurance’ will make your work simpler and easier. You and your family can sit and relax while our PB Assurance Expert will handle all the necessary documentation and other procedures related to your cashless treatment.

Testimonial:

Thank you so much PB Assurance for your assistance. You really helped me making the approval easier and simpler. Good Work Company, keep it going! -Gopi Mohan, Brother of the patient.

I am very satisfied with your PB Assurance assistance. In just one call, I got my work done without worrying about anything. Thank you so much for your help. - Sunil Kumar Chaurasia, Self

In my critical time, Policybazaar has provided me unconditional support during the course of treatment. I appreciate their efforts and services. - Aditya Narayan Singh, Father of the patient.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

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##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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