Double claims and coordination benefits in health insurance – dmatxi. In terms of health insurance known double claims and coordination of benefits. Regulations at Manulife allow double claim with another insurance company. So if you have health insurance from Manulife and health insurance from another company, you can file a claim to Manulife with photocopy of receipts that have been legalized.
To be able to double claim, you must use the reimbursement system to pay hospital bills so you have the original receipts and invoices that have been legalized. In a claim payment system the reimbursement is insured must pay in advance the cost of a hospital of private money. Then the bill is submitted to the insurance company by attaching down the receipt to get a replacement.
Excess of the reimbursement claims payment system, the insured can choose any hospital for treatment, not just limited to being a partner hospital insurance company. Benefits of health insurance for health insurance policy holders is that the costs associated with health such as hospital costs, physician costs, drug costs, and even the operating costs will be borne by the insurance company, and tailored to the content of the agreement contained in the policy.
While on a cashless payment system claims, the insured need only show a card from an insurance company without the need to make the payment in cash. Furthermore, the hospital will contact the insurance company to take care of the payment. The benefits received by the hospital must also conform to the platform owned health insurance.
This cashless system is more practical than the reimbursement system but are usually more expensive premiums (no extra charge for this facility) and the hospital was limited who are the partners of the insurance company. If the other insurance company Manulife allows the double claim for health insurance policies that are equally from Manulife valid is coordination of benefits.
Benefits received by the insured can not exceed the total bill has been paid. Suppose the total hospital bill of 10 million. If appropriate platform first health insurance has been replaced by 6 million, the second health insurance will only pay the shortfall remaining bills which amounted to 4 million.
Further, when the first insurance claims totaling 10 million has been paid then the second insurer will not reimburse claims happened. This is because the total bill there has been replaced fully by insurance first.