Travel Health Insurance

Insurance Claims

Health Insurance Coverage
It is important to take into account what medical treatments your policy does and does not cover. Do not take for granted that your policy provides coverage for all types of medical treatments. If the situation permits, call your insurance company before receiving treatment to ascertain whether or not you have the proper coverage.

Insurance claims may offer either a deductible or co-payment clause
A deductible is an agreed upon amount of money that the insured must pay towards treatment. For instance, if your deductible is $300 then you will have to pay the first $300 of the total treatment cost.

• Many travel insurance policies do not have a deductible. In such a case, you are reimbursed the total amount of any expenses that are covered by your policy.

A co-payment clause indicates that the policy holder must pay an agreed percentage of the medical fees. In such cases, if the policy holder pays the fees initially, then he/she will be reimbursed the partial amount after making the claim.

Insurance Claim Tips

• When filing a claim, always enclose any related invoices, receipts and prescriptions to ensure the validity of your claim.
• Be sure to make copies of receipts and prescriptions in case your claim gets lost.
• Get written confirmation from your insurer regarding the specifics of what is covered in your health insurance.
• Call your insurance company whenever you are not sure about whether or not you are covered for a particular type of medical treatment. They should be able to help you define the terms of your policy.
• Be aware of any imposed time limits on health insurance claims.