Alcohol consumption can raise your insurance costs, as most insurers charge higher premiums to cover potential risks. However, being honest and submitting your alcohol intoxication report is necessary to ensure you receive required treatment and coverage.
Why is the Document important?
- Clarification on Cause of Disease: Different insurers follow different clauses regarding alcohol use and related illnesses. Alcohol intoxication report confirms if alcohol is a contributing factor to the disease, to decide on the further steps.
- Proof of Medical Necessity: If alcohol intoxication leads to a medical necessity, the intoxication report clarifies the severity of the disease and necessity of treatment and hospitalisation.
- Long-Term Coverage: Alcohol consumption can lead to chronic illnesses. The intoxication report is a useful documentation to evaluate the need for long–term treatment/coverage.
- Injury Compensation: In case of accidents or falls, alcohol intoxication report helps evaluate if the person was legally or morally responsible for the action, influencing whether compensation is provided or reduced. It is one of the mandatory documents along with FIR/ Medico-Legal Certificate copies.
Where to get this document?
Depending on the circumstance, you can get your alcohol intoxication report from these sources:
- Your healthcare facility/doctor
- From law enforcement- The police report would contain details about intoxication
- Conduct toxicology test
Conclusion
Help promptly validate your claim by submitting your alcohol intoxication report on time, thereby avoiding delays in claim processing. Should you have any query, don’t hesitate to reach out to us or your insurer.
