Most medical insurance plans exclude coverage on pre-existing conditions for 24 months. During this period insurers are naturally concerned about conditions that may have existed before the plan commenced. In order to make sure claims are paid without delay we would strongly advice clients to make sure claims documentation is complete and supporting information from doctors can be provided to confirm that you were not aware of the condition before the plan started.

Claims refunds can be made in a number of ways (cheque, bank transfer or credit card) and typically in most major currencies.

Please note that insurers will typically pay any costs incurred by their bank for making transfers or payments but not those of the receiving bank.

Wherever possible please provide the insurer with your most up to date email, this is the most effective way to speed up communication and allow instant clarification about claims status and information requirements.