How to Write Maternity Insurance Claim Letter? [Sample Included]

Health insurance is one of the most in-demand insurance nowadays due to the grave situation is seen by all of us in form of a pandemic.

Even before that, the health insurance sector was booming with a consistent decent CAGR over the last decade but the emergence of COVID 19 made it an absolute necessity for every individual and household to buy.

This emergence has made a lot of people rethink the medical insurance coverage they have currently and many are preferring to buy a new policy if they don’t have a cover in place or increase the sum insured under their existing policy if the cover is seeming insufficient in the view of high medical inflation.

Health insurance is the most basic form that covers inpatient hospitalization which means admission to a hospital for a period of 24 consecutive hours or more. But this is not the end of the story mediclaim policies offered by general and health insurance companies in India today offers a wide range of innovative and useful inbuilt and additional coverages and benefits like pre and post hospitalization, Road and air ambulance coverage, daycare procedures, preventive health check-ups, numerous wellness benefits and many more.

Maternity benefit is a very prominent benefit offered by most of the insurers along with health insurance products which is widely popular among newly married couples. This benefit is generally provided in separate sub-limits for normal and C Section and in addition to delivery expenses also reimburses for pre and post-natal cover, newborn cover, and vaccination expenses.

In addition to the hospital charges like room rent, doctor fee, etc. other costs like medicines are also covered. Some costs like consumables may be excluded from the scope of the policy which is to be noted.

Insurers evolving with time and technology have come up with many innovative and modern ways of intimating the claim. This adds to the value proposition they provide to their customers and provide them with a delightful experience. Most common modern ways of claim intimation under mediclaim policies could be through calling the dedicated helpline, intimation through the web portal and mobile application etc.

Although mostly these goes well with millennials and tech-savvy customers residing in metro and tier-one cities. Less educated, older generation people and rural customers still prefer more traditional ways of communication like writing a letter to inform the claim to the insurer.

Letter writing may be a considered a traditional and orthodox way but it does not necessarily mean that this should not be a preferred way to inform claim to insurance company. This mode of communication for claim intimation can at times save a lot of time and effort both in terms of the customer and the insurer as it provides clarity, is well documented and provides first-hand information to parties.

Proofs and bills can be attached with the letter itself with a succinct and precise description of the whole incident which is a good practice to follow. As per the title of our current article, we will present below a sample maternity claim letter which can be used as a guide by the readers to write benefit intimations to insurers with their exclusive situation and set of documents described therein.

Sample Maternity Claim Intimation Letter

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