Claims Procedures

As a responsible broker, we aim to work with international medical insurance companies that, in the vast majority of cases, have efficient claims handling processes. There are, however, occasions that can cause some policy holder dissatisfaction with the claims process. These generally fall into two general areas:

Delays in payment

Most claims are usually reimbursed by insurance companies in a timely and professional manner. There are occasions when insurance companies receive documents that are submitted either incomplete or incorrectly filled out, and this can slow down the process significantly. Our in-house claims team can help by reviewing any documents you need to send in order to make sure that all the proper forms are filled out correctly. We can help you get reimbursed even faster by filing your claim directly with the insurance company.

Pre-existing conditions

In regards to pre-existing conditions, international medical insurance plans usually take one of two routes. They will either exclude your pre-existing conditions from coverage entirely, or the plan may have a 24 month waiting period, after which, you may claim on your pre-existing condition. It is important to make sure that when you submit a claim, you include documentation from a doctor to the effect that you were not suffering from the condition at the start of the policy.

When your claim is being reimbursed, you can ask that the insurer does so in a number of currencies including, GBR, EUR, USD and RMB. Other reimbursement options available to you include asking the insurance company to refund your credit card, or to send either a money transfer or check directly to your account.

We have access to a direct settlement network as well as a dedicated claims team that can assist you in submitting your claim, ensuring there are no errors or missteps in your forms that may cause unnecessary delays or other reimbursement issues. Using the direct settlement network makes sure that the claims procedure will be as efficient as possible, making it possible for you to have access to the highest quality treatment in easy and cost effective manner.

If you would like help or more information regarding the claims process, please feel free to contact one of our expert advisers today.

Call Me Back