Tracking your health insurance claim is essential to avoid delays, unexpected bills, or confusion. Knowing the current status gives you peace of mind and helps you plan your next steps. In this guide, we explain how to verify your health insurance claim through insurer portals, TPAs, and the Insurancehub.ae support team, ensuring a smooth and transparent process.
Understanding the Typical Claim Timeline
| Stage | What Happens | Expected Duration |
|---|---|---|
| Submission | Clinic uploads claim or you file reimbursement | Day 0 |
| Initial Scrutiny | TPA checks documents & eligibility | 1–3 days |
| Medical Review | Doctors evaluate necessity & coding | 2–5 days |
| Financial Settlement | Insurer approves, rejects or queries | 1–4 days |
| Payment/Advice | Amount settled with provider or to you | Within 14 days |
Knowing this flow helps set realistic expectations and flags delays early.
Step 1: Gather Reference Information
- Claim reference or pre-approval number
- Emirates ID and policy number
- Date of service and provider name
Having these details handy speeds up any inquiry.
Step 2: Use Digital Self-Service Tools
- Insurer Mobile App – Most UAE insurers (Daman, Sukoon, Cigna) provide real-time claim tracking. Log in, select “Claims” and view live status markers like Received, In-Process or Approved.
- TPA Portal (e.g., NextCare, NAS) – Enter your card number to pull the latest update.
- insurancehub.ae Dashboard – If you bought the policy through us, click “My Policies” → “Track Claim” to see consolidated status across multiple insurers.
Repeating the check every 48 hours avoids unnecessary phone calls.
Step 3: Contact Customer Support if the Status Stalls
- Call the insurer helpline and quote your claim number.
- Use WhatsApp chat for written confirmation; keep screenshots as proof.
- Email escalation to the claims manager if no progress after seven working days.
Template for an Escalation Email
Subject: Claim #123456 – Status Update Requested
Dear [Insurer],
My outpatient claim submitted on 3 Oct 2025 remains “Under Review”. Kindly advise the reason for delay and expected resolution date.
Regards, [Name] – Emirates ID XXXXXXXXX
Step 4: Understand Possible Outcomes
- Approved – Payment advice issued; reimbursement reflects within 3–5 bank days.
- Partially Approved – Some services disallowed; check denial codes.
- Queried – Additional documents required (e.g., physician prescription).
- Rejected – Review policy exclusions; you may appeal with supporting evidence.
Time Limit to Submit Health Insurance Claim
UAE insurers generally allow 30 days for inpatient and 60 days for outpatient reimbursement claims. Missing this deadline can void your right to appeal, so track receipts promptly.
Conclusion
Verifying a claim is simple when you know where to look and which deadlines apply. Use digital portals first, escalate promptly if timelines slip and lean on insurancehub.ae advisors for expert help. Staying proactive ensures the health insurance claim process ends with timely payment and zero surprises.
