First Notification of Claim in Health Insurance

First Notification of Claim or First Notification of Loss (FNOL) is your initial beacon of communication with your health insurance provider. It is for signalling the commencement of the claim process for your medical expenses or treatments covered under your policy. 

Let us discuss the importance of first notification of claim in health insurance in this article. 

FNOC serves as the inaugural step to notify your health insurance company about your incurred medical expenses or treatments eligible for coverage. Whether it's a routine check-up, hospitalisation, or an unforeseen medical emergency, timely notification is pivotal to kickstart the claim process effectively.

Initiating first notification of claim promptly is really important to avoid potential claim rejection or delays in reimbursement. Any delay in notification could impede the assessment process and prolong the wait for claim settlement. Therefore, swift action is advised to speed up the processing of your claim and ensure timely reimbursement of your medical expenses.

Once you report the loss to the insurance, there are probably two possible outcomes. Which are: 

The days of processes dependent on paper are long gone. In order to guarantee a hassle-free insurance experience, digital-first insurers are implementing technology into routine procedures in this day and age. The First Notification of Claim procedure permits the use of technology in this way as well. With the advent of technology, many insurance providers offer digital platforms or mobile applications for streamlined first notification of claim submission. 

While not all Indian insurers use this level of technology for first notification of claim at this time, digital-first insurers do provide a smartphone app for filing health insurance claims. This is undoubtedly faster, easier, and more convenient than going to a branch office of an insurer, filling out forms, and sending a tonne of paperwork!

First Notification of Claim is a pivotal component of health insurance and it marks the initiation of the claim process for your medical expenses. By promptly notifying your insurer and providing accurate information and documentation, you can get a smoother and more efficient claim settlement process. 

The following stages in the claim settlement procedure will be provided by the insurer based on the information you have provided. If there are problems with your First Notification of Claim, such as inaccurate information or an inactive policy, the insurer may decide not to proceed with the claim settlement procedure. 

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.