How to file a claim
Gather Your Receipts and Documentation
First you will need to have an itemized bill from the healthcare provider you received treatment from. It is important that it is itemized, as that will show the claims processors all services you received with their individual codes and costs needed to pay your claim. You can request this from the doctor or medical provider you visited by calling or emailing them explaining you are filing an insurance claim. Typically, you should only have to provide general information for them to find your file, but occasionally they may ask for you to sign for them to release the information to you because of patient protection laws. Click here to find more information on U.S. patient protection laws.
Fill Out Your Claim Form
Depending on your plan the claim form may vary. Be sure to look at the name of your plan and consider what type of claim you are filing such as medical expense reimbursement, trip cancellation/interruption, etc. to determine which claim form to submit. Filling out the claim form is a relatively easy process. Common information needed is on the receipts you will provide such as passport number, out of pocket expenses you paid, information on the accident or illness, healthcare provider’s information, and your insurance information such as Insurance ID beginning with a 999 or 980. The more information you can provide on your accident or illness that can help the claims department determine if your claim is for a covered reason based off your policy typically the easier processing will be.
Make A Copy
Always be sure to make copies of all supporting documents and claim form you are submitting to the insurance company in case there is a complication with your claim.
Notify the Claims Department
It’s always a good idea to contact the claims department for your policy and let them know you are filing a claim and find out if there is anything else you should provide before sending.
Submitting Your Claim
Depending on the type of policy you have you can submit your claim in multiple ways such as to the physical address listed on your ID card and policy documents, email address, or by logging into our Claims Portal. Once submitted give it time to reach the designated claims department before calling to check claim status or checking the status through our Claims Portal. You will also want to watch the email associated with your account as you may receive a request for additional documents to process your claim.