An international health insurance plan provides global coverage, ensuring you receive the best treatment from quality hospitals anywhere around the globe.
It covers planned hospital treatments such as heart surgeries, hip or joint replacements, bone marrow transplants and more. Are you wondering how to claim health insurance?
This blog will discuss the international health insurance claim process in detail. Continue reading to learn more.
International Health Insurance Claim Process
There are two methods for international health insurance claims: Cashless and Reimbursement. In cashless claims, the insurance providers settle the medical expenses directly with the hospital.
In reimbursement cashless claims, you must pay the hospital charges out of your own pocket, and the insurance provider reimburses the amount later.
Now, let us look at the step-by-step process of international health insurance cashless and reimbursement.
Cashless Health Insurance Claim Process
Register Claim
Call or log on to your health insurance provider’s website to inform them about your planned hospitalisation.
Submit All Documents
Submit all necessary documents associated with your medical condition, including a consent form and final diagnosis paper.
Select a Hospital
You can select a hospital where you want to get the treatment done.
Get Medical Opinion
Your medical information will be shared with the chosen hospital, and they will provide a detailed medical opinion for you to review.
If you are satisfied with it, you can notify your insurance provider about your decision to receive treatment from them.
Preparation For Treatment
Your insurance provider will organise the required logistical, medical, visa (subject to approval), accommodation and travel arrangements. Additionally, they will issue a preliminary medical certificate.
Post Treatment Process
Once your treatment is complete, all your medical bills will be paid directly between the hospital and the insurance provider, per your policy’s terms and conditions.
Reimbursement Health Insurance Claim Process
Register Claim
Contact your health insurance provider and tell them about your hospitalisation.
Pay Hospital Fees
Once you have received your treatment and are discharged, pay for all medical expenses and collect all the documents. Make sure you get all the necessary bills, discharge papers, test reports, etc.
Submit Documents
Submit all the necessary documents to your health insurance provider.
Wait For Approval
The health insurance provider will review all the documents you submitted and process the insurance claim based on the terms and conditions of your international health insurance plan.
Claim Approval
Once your health insurance provider approves your claim, you will receive the claim amount per your policy terms.
Common Exclusions Under International Health Insurance Plans
If you raise any claims associated with your policy exclusions, your claim will be rejected. Therefore, you must carefully review all the policy exclusions. Let us have a look at some of the common policy exclusions-
- Change of gender treatments
- Breach of law
- Wellness and rejuvenation
- Substance abuse and alcohol
- Infertility and sterility
- Plastic or cosmetic surgery
- Adventure or hazardous sports.
To Wrap It Up
While choosing a health insurance provider, you must keep certain aspects in mind, such as the health insurance claim settlement ratio. Ensure the provider you choose has a high claim settlement ratio, as it helps increase the chances of your insurance claim getting approved. Choosing an effective provider will also ensure you get the best health insurance for claims.
Comments are closed.