Claiming hospital visit expenses under expat health insurance requires submitting the final hospital invoice, not just the prepayment receipt received at the time of the visit. Final invoices include accurate cost details and necessary treatment documentation, especially for inpatient stays. Transport costs to the hospital are covered only if the visit results in inpatient admission. Claims can be submitted via the insurance provider's platform once all documents are received.

When visiting a hospital, inform the staff that you have private or self-paying expat health insurance. The hospital may require a prepayment on the day of the visit. However, this prepayment receipt is not valid for claims submission.

The initial prepayment is an estimate and the final invoice may differ in amount. The final invoice provides an accurate breakdown of diagnosis and costs, which is required for processing insurance claims appropriately.

For inpatient stays, the hospital issues a final invoice along with treatment documents such as the discharge notification and report after the treatment ends. These documents are necessary to submit a thorough claim.

The insurance covers transport costs only if the hospital visit results in an inpatient admission. Transport costs for outpatient visits are not covered under the expat health policy.

Submit the final invoices and any transport receipts through the claims submission system in your expat health insurance account. It is important to upload the complete final invoice and any supporting documents for claim approval.

Detailed guidance on filing claims is available in the FAQ here. This article explains the documentation requirements and submission steps comprehensively.