Having the appropriate insurance cover is crucial in the ever-growing world of aesthetic treatments. However, dealing with an insurance claim can be a lengthy process and time-consuming, something you want to stay away from as much as possible. But choosing the right insurance provider will help with this process if the worst was to happen.
Here we provide a step-by-step guide on how to get your insurance claim paid by your aesthetic insurance provider, so you can get the result you deserve without unnecessary stress.
How to Get Your Insurance Claim Paid
Here are the seven easy steps for getting your aesthetic insurance claim paid by your insurance providers.
Step 1: Understand Your Insurance Policy.
The first step to any insurance claim is to fully understand the terms and conditions of your policy, and what you are covered for. Make sure you’re familiar with what treatments and complications are covered, as well as any limitations and exclusions.
There will be times that you are unsure about certain parts of the policy, if you are unsure then it’s best to call the insurance company straightway to clear up any confusion. When a claim comes in, it’s best not to wait and inform the insurance provider as soon as possible, as you don’t want it to drag on.
Step 2: Document the Incident
If a claim does come through, it’s important to make a note of all the issues the client is claiming. Make sure you have the consent form the client signed and evidence that the aftercare document was also sent to them.
This includes taking photographs of any injuries, obtaining copies of medical records and treatment plans, and keeping a detailed account of any conversations you have had with the client. The more information you have, the better the chance the claim will get sorted quickly.
Step 3: Notify Your Insurance Provider
As soon as you realise that a claim may be necessary, contact your insurance provider to notify them of the incident. Most providers have strict timeframes for reporting incidents, so it’s crucial to act promptly.
The insurance company will ask for all your basic information and information about the client as well as the treatment that happened. Details like the date of treatment, the location, and the actual injury or complication. Make sure you have all this information and try and get as much information from the client as possible. Most clients will cooperate as they would want this sorted as much as you do.
Step 4: Complete the Claims Form
Your insurance provider will typically send you a claims form to complete. This form will ask for detailed information about the incident and any resulting injuries or complications
.Make sure you complete the form in as much detail as possible. Fill the form out as accurately and honestly as you can, as any errors will make your claim hard to process.
Step 5: Submit Supporting Documentation
Along with the completed claims form, you may need to submit additional supporting documentation, such as medical records, treatment plans, and photographic evidence of the injury or complication.
Make sure you provide everything that your insurance provider requests, as failure to do so may result in delays or denial of your claim.
Step 6: Communication and Negotiation
Once your claim has been submitted, your insurance provider will begin their assessment. They may contact you or your aesthetic practitioner for further information or clarification.
Be prepared to answer any questions and provide additional documentation if necessary. Remember, open and honest communication is crucial to a successful claims process.
Step 7: Compensation
After the claim has been processed the insurance provider will decide on who is at fault, the provider may side with the client, meaning your insurance provider will pay out directly to the client if the case has been awarded in their favour. If this is the case, then your insurance premium may increase the next year.
This process can take several weeks and even months, depending on the complexity of the case. If the claim has been awarded in your favour, then no further action will take place.
Conclusion
Navigating how to get your insurance claim paid with your aesthetic insurance provider can be a challenging task. But by following these steps and keeping clear communication with the client and the insurance provider it will help for a smoother experience.