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

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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Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com

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