Globalsurance Claims Support
Most international health insurance companies operate a separate claims handling department which typically include doctors and access to specific list of healthcare providers they have direct settlement agreements with. Furthermore, insurers will be able to communicate in the most languages so if you need to talk about your medical situation there will be someone to help you.
All insurance companies operate an emergency assistance service which is permanently staffed 24 hours per day all year. In the event of an emergency situation where you need instant evacuation or medical assistance, you can contact this service and quote your policy number. They are trained to help you and coordinate the necessary services to assist you anywhere in the world. The emergency assistance company may be part of the insurance company or may be a third party organization. If this is the case then they will liaise between you and the world wide health insurance company to make sure all parties are informed of the situation.
Most insurers require that you complete a medical claim form, signed by the doctor and submit this within 3 months of the date of the treatment. Upon receipt of the completed claim information, the claims department will normally process the claim within 10 days and refund the claimed amount after deducting the excess.
When you know that you are going into hospital for treatment the insurer normally requires that you inform them as soon as possible. This allows the insurer to communicate directly with the hospital before you enter and then they can guarantee the payment so that you do not have to pay the expenses yourself. This process also gives you certainty that the treatment is going to be covered.
Delays in payment
This is normally due to incomplete paper work, missing signatures, incomplete diagnosis, no original receipts. We would advise clients to check the documents carefully before sending and also to make a copy such that if documents are lost in the post then a duplicate exists
Most world wide health 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 advise 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 world wide health insurance provider 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.