Oriental supports both cashless claims and reimbursement claims. This section covers the information on how to check Oriental health insurance claim status, fill Oriental health insurance claim form, and the claim settlement process.

Cashless claims are when you seek treatment at a hospital which is tied-up with the insurance company. In this case, the company pays your hospital bills directly to the hospital.

Reimbursement claims are when you take treatments at a non-networked hospital. In that case, you would have to pay the medical bills yourself and then get them reimbursed from the insurance company. The claim process involves the below-mentioned steps

You have to inform the TPA (Third Party Administrator) of the insurance company immediately about the claim
If you are undergoing a planned hospitalisation, the information should be given 3-4 days in advance. In case of emergency hospitalisation, the TPA should be informed within 24 hours of your hospitalisation
You would have to fill up a pre-authorisation form and submit it to the TPA. The TPA would forward this form to the insurance company based on which your claim would be approved
Once the claim is approved by the insurance company, you can take treatments and the insurance company would handle the medical costs
After you are discharged from the hospital, you should collect the discharge summary and all relevant medical bills and reports. You should, then, fill up the claim form and submit the form with all the documents so that the claim is settled

You can also make your health insurance claim through Turtlemint.Turtlemint has an internal claims department which handles customers claims.You just have to inform Turtlemint by calling up its toll-free number 1800 266 0101 or send an email at claims@turtlemint.com. Once the company is involved, its claim experts would get your claims processed so that you can get an easy and a quick settlement.