LIBRARY OF INTERNATIONAL MEDICAL AND HEALTH INSURANCE INFORMATION AND RESOURCES
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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

INTERNATIONAL HEALTH INSURANCE

   

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HANDLING CLAIMS

TIPS ON FILING A HEALTH INSURANCE CLAIM
SUBMITTING CLAIMS
CLAIMS – GO DIRECTLY TO INSURER’S “CLAIMS DEPARTMENT”

SPEEDING UP THE CLAIMS PROCESS
KEY TO SHORT-TERM HEALTH INSURANCE CLAIMS.
PAYING CLAIMS – HOW LONG SHOULD IT TAKE?
WHEN YOUR INSURANCE WON’T PAY
HOW COMPANIES DETERMINE “USUAL, REASONABLE & CUSTOMARY”

WHEN YOUR TRAVEL INSURANCE IS YOUR “PRIMARY COVERAGE”

INSURANCE CLAIMS

CLAIMS REIMBURSEMENT--WHY IS IT SUCH A PAIN?

CLAIMS SUBMITTED LATE CAN BE DECLINED

KEY TO SHORT-TERM HEALTH INSURANCE CLAIMS.

It is important to remember that international short-term health insurance is not a substitute for domestic insurance in the USA. It is only a supplement. It is to cover you for injuries and medical evacuation needed while outside the USA. If you are injured outside the USA, you must get your initial medical care outside the USA. If you only get medical care once you return to the USA, the insurance company will deny your claim.

The proof that you were injured outside the USA is a receipt and medical records provided by your doctor or medical practitioner outside the USA. Also make sure you get written proof that you went to the doctor while outside the USA. That will be proof to the international health insurance company that your injury took place while you were outside the USA. If you do not have that kind of documentation, your international insurance will not cover your medical costs in the USA.  

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