When submitting expat health insurance claims, additional information may be requested due to missing documents or to verify coverage scope. Required documents include detailed invoices for outpatient services, final hospital invoices after treatment, prescriptions and receipts for medications, and referrals for aids and physical therapy. Certain documents like cost estimates and pre-payments are not accepted. After gathering missing information, submitting it through the insurance platform enables claim processing.
Why might additional information be requested for my expat health insurance claim?
Additional information may be requested if there is missing documentation required to support the claim or if we need to verify whether the claimed medical event is covered by the expat health policy, which includes coverage for new illnesses or injuries and excludes pre-existing conditions or routine check-ups without symptoms.
What documentation is required for outpatient appointment claims?
For outpatient appointments, you need to provide invoices that clearly include the diagnosis and an itemized breakdown of the costs for each service provided during the visit.
What documentation should I submit for hospital visits and inpatient stays?
You should submit the final hospital invoice received after your treatment. This invoice will reflect the full and final breakdown of all treatments and costs. Pre-payments or initial payments are not sufficient, as they may not represent the total amount charged.
We explain more about using your expat health insurance when visiting a hospital in this article.
What documents are needed if medication has been prescribed?
If your doctor has prescribed medication, submit both the prescription from the doctor and the payment receipt from the pharmacy.
Are referrals required for submitting claims?
Referrals from a medical doctor are not required for general medical claims, including specialist visits. However, if you are claiming for aids or physical therapy, a referral from a medical doctor is mandatory and should be included with your claim.
Which documents are not acceptable for expat health insurance claims?
The following documents are not accepted:
Invoices lacking diagnostic information or an individual cost breakdown
Cost estimates
Pre-payments or partial payments
Payment reminders
Payment receipts without accompanying invoices or prescriptions
Invoices from non-medical practitioners such as acupuncturists
What should I do if I have been asked to fill out a form during the claims process?
You should complete the requested form with as much detail as possible and return it to the insurance provider. If any questions are not applicable to you, answer them with "N/A".
How do I submit the missing or additional information for my claim once I have it?
After obtaining the necessary documents or information, upload them to your expat health insurance claim through your Feather account. Once submitted, the updated claim will be reviewed and processed, and you will receive updates via email.
When submitting claims for your expat health policy, there may be occasions where we need to obtain additional information from you in order to review and process your claim. Below we will clarify why you may be asked for more information and what information we typically require.