"Sharia health insurance can be utilized when participants experience illness and are required to undergo hospitalization. Participants can submit claims to the insurance company to request payment in the form of health insurance benefits according to the policy held by the participant."

Visit the Insurance Company's website to get a guide on how to submit a claim and download the appropriate claim form for the claim to be submitted. Fill in and complete the claim form carefully, correctly, and clearly. Make sure the submitted form and claim documents are complete and do not exceed the specified submission deadline. If Sahabat Dream encounters any difficulties, they can contact the Insurance Company for the guidance and explanation needed.

The important aspect of the claim process is the completeness of supporting documents. The insurance company will require evidence as supporting documents for the claim submitted by the participant. These documents may include doctor's certificates, police reports, or medical records. Make sure to provide all the requested documents, and ensure that each document has the clarity of the required information.

The insurance company will start the claim analysis process once all documents are received complete. The insurance company has a time limit in claim settlement, but if further investigation is required, the insurance company will provide information to Sahabat Dream that the claim process requires additional time.

Insurance claims can also be rejected if the condition suffered is not covered by the benefits of sharia insurance policy protection and/or is included in the policy's exclusions. For example, conditions submitted as claims such as dental treatment or related to pregnancy or other conditions mentioned in the exclusions in the policy.

The waiting period is the period of time during which insurance benefits cannot be claimed. For health conditions or illnesses suffered during this period, any claims made will be rejected because they fall within the waiting period, unless caused by an accident.

The complete and compliant document is one of the requirements for submitting an insurance claim. If the submitted document is incomplete, the claim will be delayed in order to request document completeness. However, if within the given period, the document is still not completed or does not meet the requirements, the insurance claim may be rejected.

The terms of the Sharia Insurance Policy regulate various aspects in the claims process that can affect the claims decision. Claim applications can be rejected if elements of dishonesty, fraud, and/or document forgery are found. Participant honesty is a key factor in determining the smoothness of the claims process.

When participants submit a sharia insurance claim, several factors can make the claim approval process easier and more efficient. One key factor to expedite claim approval is document completeness. Participants who provide all the required documents in accordance with the sharia insurance company's requirements will make the claim process run smoother.