Claims

Foreign Medical Insurance Companies settle claims in three different ways and these are as follows:

1. For scheduled in-patient treatment the insurer commonly requires the insured to complete a ‘treatment guarantee form' prior to treatment. This allows the insurer to contact the hospital and confirm payment direct to the hospital. In the case of emergency in-patient treatment the majority of insurers will settle medical expenses directly with the hospital. In this instance it is advisable for the insured to contact the insurer as soon as possible to arrange settlement.
2. It is common practice in some countries for foreign medical insurance companies to establish direct out-patient networks, whereby the insured can attend an out-patient clinic and have the bill settled directly with the insurer without the insured having to pay the initial fee.
3. The standard procedure for out-patient treatment requires the insured individual to initially pay the medical bill and then submit a claim form and original receipt to the insurance provider. The policy holder will then be reimbursed by the foreign medical insurance company through the agreed method of payment.

Complaints regarding Claims

Occasionally problems can arise when claims are submitted. The most commonly occurring reason is incomplete paperwork. Completing the paperwork correctly is the direct responsibility of the individual and will ensure prompt settlement. Pre-existing Conditions can also cause problems, as they are generally excluded. The client should ensure that the pre-existing condition has been accepted and is included in the foreign medical insurance policy otherwise the claim will not be settled.

Can you provide Emergency medical coverage to Australian Expatriates in Indonesia?
Pacific Prime can offer comprehensive emergency medical and hospitalization coverage options to expatriates residing around the world, including Australian nationals currently situated in Indonesia. Even if your daughter is unable to complete the waiting period associated with a health insurance Maternity coverage benefit due to the fact that she is currently pregnant, we can provide coverage for a range of additional policy benefits. 2012-01-31 10:25:56
Category: Coverage , Maternity , Pre-existing , Emergency Evacuation , Individual , Travel , Short Term , IHI-BUPA , Insurance Company	Read Answer Here
Do you offer Family Health Insurance in Finland?
Pacific Prime can offer Finland health insurance plans for expat families located in Finland, or Finnish families located overseas. We can provide international health insurance that will afford your family with comprehensive hospital cover in addition to various options which can be added to the plan’s coverage for extra medical protection. Pacific Prime will work with you to find the global health insurance plan that best suits you and your family's needs. 2012-02-16 16:12:45
Category: Coverage , Maternity , Pre-existing , Family , Hospital , Emergency Evacuation , in-patient , out-patient , Illness , Disease , Premiums , Treatment , Europe	Read Answer Here