What to do if you're hospitalized in an emergency

Expat health insurance covers emergency hospitalization for new medical conditions, including medically necessary overnight stays. Ambulance transport is covered only when the journey results in an inpatient admission. If you are at a hospital and facing a large bill or a guarantee of payment request, call our emergency line immediately so your options can be assessed. Once your stay is complete and you have your final invoice, you can submit a claim through your account.

Expat health insurance covers emergency hospitalization for new medical conditions, including medically necessary overnight stays. Coverage applies when the hospitalization is the result of an emergency rather than a planned or pre-existing condition.

When you visit a hospital, tell them you are a self-paying or private patient. The hospital may ask for a prepayment on the day of your visit.

Ambulance transport is covered when the journey results in an inpatient hospital admission. If you are treated and discharged at the scene or in the emergency room without being admitted as an inpatient, ambulance transport costs are not covered.

If you are at a hospital or emergency room and are facing a large bill or a request for a guarantee of payment, call our emergency line as soon as possible so your options can be assessed in real time. Provide your personal details and the name and location of the hospital. In some cases, direct payment to the hospital or an alternative arrangement may be possible, though this is not guaranteed.

For general claims queries, use the claims line instead.

Advigon contact details (Advigon is our insurance provider):

Once your stay is complete and you have received your final hospital invoice, you can submit your claim through your account.