How to Claim

This is (obviously) one of the most important sections, so please make sure you read it thoroughly. The basic process of the claims procedure is "ALWAYS CONTACT THE INSURANCE COMPANY FIRST". Following the correct claims procedures has three main benefits:

Following the correct claims procedure is beneficial for your HEALTH

By contacting the insurance company BEFORE you go to a hospital or receive any treatment, the medical professionals working for the insurance company will help you to ensure that you visit a hospital with the best facilities relevant to your needs, make sure you're receiving the RIGHT treatment, and crucially will help to make sure you're not receiving the WRONG treatment, which in extreme circumstances could kill you. Don't take any chances, call the insurance company as soon as you can and they can help you.

Outpatient Benefits

From an everyday cold to cuts and bruises, visiting an outpatient clinic or general practitioner for treatment and medication doesn't require pre-authorisation, except within the international dentistry module commonly.

Receiving this treatment quickly is essential, and the outpatient benefits included with your policy ensure that the cost of this treatment won't be an additional burden for you.

In addition to this, the claims reimbursement process, for any treatment which required immediate attention and therefore was unable to first be authorised, has been simplified to allow you to receive a speedy payment for your covered expenses. Once claims have been streamlined to fit in with your nomadic lifestyle – no more paper forms or original receipts to post to the other side of the world. Everything can be done by emails and photos from your phone, and therefore everything is as quick and efficient as possible.

Following the correct claims procedure is beneficial for your WEALTH

By contacting the insurance company BEFORE you go to a hospital or receive any treatment, the insurance company will liaise with the hospital you're going to and arrange for FULL PAYMENT of the costs to be made directly to the hospital. So basically, it means you don't have to pay for treatment first and then claim it back, so you don't have to find what could be tens of thousands of dollars. Hospitals like to know they're going to get paid for the treatment they provide to you, and if you go through the correct procedure the insurance company will contact the hospital to very reassuring to the hospital staff. Also, the insurance company may decline a reimbursement request if they have reason to believe that you have received unnecessary or overpriced treatment. Don't take any chances, call the insurance company as soon as you can, and they staff will help you.

Following the correct claims procedure is LESS DRAMA for you to deal with

By contacting the insurance company BEFORE you go to a hospital or receive any treatment, the insurance company will liaise directly with the hospital to get all the paperwork done. This means that you don't have to go all the paperwork alone, and can focus on recovering from whatever illness or injury you've got. Don't waste your time with a fax machine, get the insurance company to handle all that on your behalf so that you can focus on what's important – getting better part will tell you.

Emergency Situations

In some cases, it may not be possible for you to contact the insurance company in advance. In this situation, please contact the insurance company as soon as possible.

We strongly recommend carrying some sort of information about your insurance with you at all times, just in case you're found unconscious etc. – which could be just a piece of card in your wallet stating "Medical Insurance, along with your name and a phone number for the insurance company – and save all the phone numbers for the insurance company in your phone, just in case. These are listed below and will remain on this website.

Contact Telephone Numbers for CLAIMS and MEDICAL ENQUIRIES

Please note that the telephone numbers listed here are specifically for medical claims and medical enquiries from policyholders only. (This repetition sentence is intentional)