HANDLING CLAIMS - LATE SUBMITTED CLAIMS

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CLAIMS SUBMITTED LATE CAN BE DECLINED

When you have a medical emergency or any medical care, your first concern is not money and paying of claims. You are focusing on getting medical care. Sometimes hospitals give you the bills, and they are laid aside because you are recuperating or helping someone who is recuperating. Yet you need to be aware that there is a time limitation for submitting claims. Most international health insurance companies will not honor a claim that is submitted later than 90 days from the date of receiving the medical care. If you can’t get all of the information you need to submit a claim in a timely manner, submit the information you have along with a cover letter explaining that other information will follow. It is best to inform the insurance company as quickly as possible regarding the medical care received and the cost incurred. By all means, do not wait for 90 days (three months) to submit a medical claim. In most cases such a claim will be declined by the insuring company.