International Claims Information for International Health Insurance Plans
We often get questions from expatriates around the world on how to claim for medical services received abroad. We have attempted to provide below some tips and procedures for claiming on your global health policy below.
Overseas health insurers have several options for handling claims:
- Prior to planned treatment, the insurer requires the client to sign a “Treatment Guarantee” form. The insurer is then able to pay directly to the hospital. If an emergency occurs and the client needs immediate in-patient treatment most insurers will contact and pay the hospital directly. In such situations, it is recommended the client get in contact with their insurer to make a settlement.
- Some countries set up direct in and out-patient networks for dealing with expat insurance that allows the insured access to an out-patient clinic and has the insurer settle the payment directly without the insured having to pay the initial fee.
- However, normally the insured has to make the initial payment and then submit a claim form with a receipt to the insurer. The overseas health insurer will then reimburse the policyholder by the agreed payment method
Sometimes issues can arise from submitted claims. It is a good idea to get any hospital-related medical expenses pre-authorized by your insurance provider. The expat health provider may have a searchable list of medical facilities that it has direct reimbursement agreements. This will make the claims process much smoother. It is vital that you contact the insurance company directly in the event of a claim. You may even be able to get a second opinion from their in-house medical staff.
Pre-existing conditions for individual international health plans are usually excluded unless they are specially underwritten and agreed to by the insurance company. Most group plans that we can source will fully cover the pre-existing conditions. Contact Expat Financial today to discuss your own expat health insurance needs or obtain a quote online via our expat health page.