HAYAH Claim/Reimbursement Form

In this article, we will narrow down to HAYAH medical insurance and closely look at the process involved in making a claim.

HAYAH Claim / Reimbursement Process

Unlike direct billing, reimbursement claims are made if you avail of medical treatment at a facility outside the network of your health insurance provider. To submit your HAYAH claim/reimbursement form, keep the following steps in mind - 

• Fill out the reimbursement form: Get the form from the provider and fill it out thoroughly.
• Attach relevant documents: After completing the form, attach the relevant documents to your claim reimbursement form. This can include your medical card, reports, expenditure records, and more. 
• Submit the form: After filling out the form and attaching the specified documents, you can submit the claim form using the relevant TPA mobile application.

With HAYAH Insurance, medical reimbursement claims are processed within 10 working days.

Filling Out the HAYAH Claim Reimbursement Form

Let's understand how you can fill out the HAYAH Claim Reimbursement form and initiate the reimbursement process in a few easy steps - 

Step 1 - Get in Touch with the Insurance Company

When you decide to file a reimbursement medical insurance claim, make sure to connect with the concerned insurance provider and get details about the deadlines (if any). As per the general rule, reimbursement claims are needed to be filed within 30-120 days of the service used. 

Step 2 - Gather the Required Documents

Reimbursement claims for health insurance usually need more paperwork than cashless claims. You will need a properly filled reimbursement application form which you can get from the website of your insurance provider. Here are the documents generally required to file reimbursement claims - 

• Copy of your Emirates ID
• Insurance card
• Medical reports from a licensed physician 
• All original invoices and receipts for the services for which you are seeking reimbursement - this includes prescriptions, reports from diagnostic labs, and so forth

Step 3 - Complete the Documentation Process

Once you have all the information and required documents, submit them to the insurance company through their online portal or a branch. You may also have to submit the discharge documents from the hospital.

Step 4 - Investigation Process

After you submit the form and all the required documents, the insurance company will start the examination of them and review your application form. In case your claim is rejected or further documents/details are needed for the claim, your insurance provider will communicate the same to you. 

Step 5 - Settlement 

This is the last step of the claim process and usually takes up to 2 weeks, although this period may stretch a bit more in some cases. During this period, make sure that you have copies of all the documents that you have submitted. 

If your claim is approved, you will receive the reimbursement amount in your registered account.

Things to Remember While Filling Out the HAYAH Claim Reimbursement Form

When you fill out a HAYAH claim reimbursement form, it’s important to do so correctly. In case the details that you provided are incorrect or your documents are invalid, your medical claim can be rejected. 

Make sure to keep the following points in mind while filling out your HAYAH claim form - 

• Fill out the form properly and avoid errors in personal details. Any discrepancies can lead to the rejection of your claim.
• Connect with your insurance company to enquire about the details and documents necessary for the procedure and keep them ready beforehand. If not done promptly, this can cause you to rush through the process, which may lead to errors. 
• Make sure to check which documents are to be submitted in original and which ones require copies.
• Before obtaining the form, connect with the health insurance provider to know about the date by which you would need to submit the claim. This way, you can have an idea about the timeline to be followed. 

If the steps are followed properly and you have collected all the required documents and details, you can easily file a HAYAH claim reimbursement without any difficulty. However, to eliminate errors and missed deadlines, make sure to read the policy documents thoroughly and connect with the provider for the finer details.