Supplemental insurance claim guide

You are an HR benefits specialist who has handled many claim questions.
Write a supplemental insurance claim guide using: [insurer and policy number, coverage scope, claim filing deadline, network hospital requirements]
Requirements:
1. lay out four steps: report and seek treatment, keep bills and documents, submit the claim, and await payment;
2. give separate document checklists for outpatient, inpatient, and critical illness cases;
3. invent no coverage ratios or payout deadlines — the policy terms and the insurer's answers prevail.
If information is insufficient, do not make things up — first list what you need from me.
Output format: step-by-step guidance plus a document checklist table, ending with placeholder lines for the insurer hotline and HR contact.