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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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Back to MAIN INDEX "Tips for Understanding International Insurance" | |
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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
WHEN YOUR TRAVEL INSURANCE IS YOUR “PRIMARY COVERAGE”
As with all travel insurance plans, your short-term coverage only becomes
the primary coverage when you do not have USA- based insurance. If you have
domestic health insurance, that company will be considered the first and
primary insurer; and your international policy, for medical coverage, will
function as supplemental coverage. Of course, the special benefits for
international health insurance, e.g., medical evacuation, repatriation,
medical reunion, lost luggage, and trip cancellation will generally be the
first responsibility of your international plan.
A person in the claims department from one international insurance company
explained it: Travel insurance always becomes the secondary carrier if a
person has a domestic medical insurance policy. Thus our company will pay
claims that the primary carrier will not cover. If there is no primary
carrier, then our travel policy will kick in immediately and cover up to the
max of the policy. So the insured will always need to get an EOB
(Explanation of Benefits) from the primary carrier and submit that to our
company in order to get reimbursement for claims.
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