Reimbursement Claim Verification

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Reimbursement Claim Verification

Reimbursement Claim Investigation

Reimbursement claims are often filed after a patient is discharged from a non-network hospital or when cashless facilities are unavailable. Unlike cashless claims, these are prone to "fabricated billing" because the oversight during the hospitalization period is minimal. This creates an opportunity for claimants to submit forged bills, manipulated discharge summaries, or claims for non-existent treatments.

Aziza specializes in retrospective investigations, going back to the source to verify every document submitted for reimbursement. Our goal is to ensure that the insurance company only compensates for genuine medical expenses.

Our Investigative Approach:

  • Source Authentication: Visiting the hospital and pharmacy to verify that the bill numbers and serial sequences match their internal ledgers.
  • Medical Record Cross-referencing: Comparing the Indoor Case Papers (ICP) with the final bill to check for discrepancies in medicines used versus medicines billed.
  • Doctor Consultation: Verifying with the treating consultant that the patient was indeed treated for the duration and condition mentioned in the discharge summary.
  • History of Ailment: Investigating if the illness was a pre-existing condition (PED) that was intentionally omitted from the insurance proposal.

Common Red Flags We Identify:

Our experienced investigators are trained to spot subtle signs of fraud, including:

  • Handwritten bills from established hospitals (which usually use digital systems).
  • Overlapping claims where a person tries to claim from multiple insurers for the same event.
  • Generic pharmacy bills without batch numbers or expiry dates.
  • Discrepancies between the diagnostic reports (X-rays/MRIs) and the final diagnosis.

Trusted Results

Aziza provides a conclusive report for every reimbursement case, categorizing them as Genuine, Suspicious, or Fraudulent. This allows insurance companies to process legitimate claims faster while providing a solid legal ground to repudiate fraudulent ones.

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