Ways to Get Lab Test Reimbursement with Health Protect Plans

While health insurance plans offer financial protection for medical costs, they also come with various other benefits. These additional benefits may differ based on your health insurance provider. Some common benefits offered by insurers are: 

• Doctor consultation 
• Lab test reimbursement 
• Network discounts 
• Preventive health check-ups

Lab test reimbursement or packages provided by the insurer help you take proactive measures for your health without worrying about costs. Keep in mind that a lab test package is different from lab test reimbursement. In a package you will simply have to select a slot and avail the benefit. In case of reimbursement, you will first have to pay for the lab test and then get reimbursed for the same. Depending on your insurance provider, you can claim this benefit in various ways. Read on to know how you can claim this benefit under Health Protect Plans available on Bajaj Finserv Health.

3 Ways to claim lab test reimbursement  

• Through Bajaj Finserv Health App 
• Download the Bajaj Finserv Health App 
• Sign up using your registered mobile number 
• Go to Health Plans
•  Select the policy or product purchased by you 
• Select the option of lab and radiology benefit 
• Enter the required details 
• Upload your lab test invoice and the test report 
• Enter you bank account details  
• Upload a photocopy of cancelled cheque 
• Submit the claim request 
• Your lab test reimbursement will be directly transferred to you bank account within 48 working hours

Which lab tests can be reimbursed? 

• Through Bajaj Finserv Health Website 
• Visit the Bajaj Finserv Health website and sign up 
• Visit the Health Plans option 
• Select the policy or product you have purchased 
• Select the option of lab and radiology benefit 
• Enter the required details 
• Upload the invoice of lab test and the test report 
• Give your bank account details 
• Upload a clear copy of your cancelled cheque 
• Submit the claim for lab test reimbursement 
• Your reimbursement amount will be directly transferred to the mentioned bank account in 48 working hours
• Through an email to the customer service 
• Send an email to customercare@bajajfinservhealth.in 
• The email should have an attached copy of your lab test invoice and report 
• Make sure the details in the attached copy are clearly visible 
• Mention the important details regarding your health policy 
• Give your bank account details along with a clear copy of cancelled cheque 
• Your claim amount will be directly reimbursed in your bank account within 48 working hours

• Your name 
• The name of hospital or lab you visited for the test 
• Bill amount, date, and stamp

For your bank details, you will need: 

• Your account number 
• Name of the primary account holder 
• The name of your bank 
• IFSC of your bank (usually mentioned in a cheque or passbook)

When you submit the claim, make sure all the details are correct and clearly visible. Also, remember to file the claim within the stipulated time period. This may vary depending on your policy. Similarly, the process for availing lab test package or lab test discount may also differ for each policy.

What does lab test reimbursement include? 

Lab test reimbursement will include the lab test fees of any radiology or pathology test. Keep in mind that the reimbursement will be limited to the benefit amount mentioned in your plan. With the Health Protect Plans under Aarogya Care, you can get lab and radiology benefits of up to Rs.12,000. Also, this amount covers all the members in your policy and you can make multiple claims in a year. Apart from that, there is no capping on the individual use of this benefit.

Be sure to check what lab tests are covered under your health insurance policy to buy wisely. Note that the validity of lab test reimbursement benefit will last till the validity of your insurance plan.

Usually, lab and radiology benefits will include lab test reimbursement for the following tests: 

• Blood sugar test 
• Urine test 
• Blood count test 
• ECG test 
• X-ray 
• Cholesterol test (also known as lipid panel test) 
• CT scans 
• Sonography 
• MRI

One of the best ways to know which lab tests can be reimbursed under your policy is reading the terms and conditions. You can also contact customer care or helpline number to know whether you can get lab test reimbursement for a specific test.

Apart from reimbursement through the Health Protect Plans on Bajaj Finserv Health, you can also get lab test discounts through Suburban Medicard. It is a virtual membership card available on the platform that offers benefits apart from lab test discounts. You can get free health check-up packages, cashback, and more. Choose a plan that helps you take better care of your and your family’s health!