Here we will provide an overview of when and how to submit claims for your long term expat health insurance policy. But before we get into the claims process, we suggest having a look over your coverage in our coverage FAQ to gain an overview of what you can claim for under your policy.
Now, let’s get stuck into the claims process!
Using your insurance
A digital healthcare card will be provided to you on sign up, but you won't need this to book an appointment in most cases. To use your insurance, you will act as a self paying or private patient when booking your appointment/s and you would in most cases pay up front and then submit your relevant documents for processing and reimbursement.
How to submit a claim
Claims submissions can be broken down into three parts:
Claims below €375
Claims above €375 but below €3,500
Claims above €3,500
Below details further steps for these three categories
Below €375 | Between €375 - €3,500 | Above €3,500 |
Email us with the following details included:
| Firstly, have your primary treating practitioner fill out this form.
Then email us with the following details included:
| Reach out to our third party provider who can assist with larger claims including pre-approvals and hospital inpatient admissions.
Contact: +44 (0)1243 621130 or
Please note: You will need your policy number and treating physician’s details. |
If you are unsure of the final claim amount and suspect it may go over €375, then we recommend bringing the claim form with you to your medical appointment and have it filled out, just in case. This will help ensure a faster and smoother claims process.
Deductibles
Voluntary deductible
If you picked a voluntary deductible, this will be applied to any claims made first before the insurance coverage kicks in.
Eg. If you selected a €150 voluntary deductible and then submitted your first claim which was a €500 invoice from a hospital visit, then €150 would be out of pocket and your policy would then cover the remaining €350.
This deductible is only applied once per insurance term (which is yearly), not per event/appointment.
General deductible on outpatient appointments
There is a €30 deductible per insured event for some outpatient care. This is a separate deductible to the voluntary deductible you may have chosen upon sign up.
Please note, this deductible is per medical event, not per appointment.
If you have any further questions, please don't hesitate to reach out to our team and we can assist you further.