Expat health insurance claims typically process within 2 to 6 weeks. Delays often occur due to missing or incorrect documentation, claims that may not be covered under the policy, or waiting on information from your healthcare provider. If you have not received any update after six weeks, you should contact us directly for assistance.
What documents are required to submit an expat health insurance claim?
To process expat health insurance claims, we requires the following:
An official invoice that includes diagnostic details, treatments provided, and a breakdown of costs.
A prescription if the claim involves medication or medical aids.
A referral if the claim involves specialist or physical therapy services.
Claims submitted without these required documents cannot be processed and will be asked to be resubmitted with complete information.
Why is my expat health insurance claim taking longer than the usual 2-6 weeks to process?
There are several common reasons for delays in claim processing:
Missing or incorrect documentation causes delays because we cannot assess the claim properly until all necessary documents are received.
The claim may involve conditions or treatments not covered by the expat health insurance policy, such as pre-existing conditions, routine check-ups without symptoms, or preventive care. In this case, we may need to request additional information from you before deciding on coverage.
Waiting on medical information from your treating team can extend processing time as we must receive their response before processing the claim.
Once all required documents and information are received, the claim is usually processed within 1 to 4 weeks.
What should I do if I have not received any update on my expat health claim after six weeks?
If you have not received any feedback or update regarding your claim beyond six weeks, contact our support team directly to request an investigation and assistance with your claim.