International Health Insurance Questions - Pacific Prime International

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Question: do you issue a health card that is acceptable by the medical provider? Does the medical provider bill the insurance company or do we first pay the medical provider? Answer: Making claims on an international health insurance policy can be a confusing process. At Pacific Prime we work with our clients to ensure that each claim is settled in a speedy and efficient manner. Many of the global health insurance providers which we choose to work with will issue a policyholder with a card identifying their plan details, in addition to containing information on claims help, deductible information, and emergency contact numbers. This ensures that you are free to travel around the world knowing that you will be protected no matter what happens. There are two types of claims normally made under an international health insurance policy; In-patient and Out-patient. Each of these two types of claim will typically be settled in the following ways: In-Patient In-patient treatment is typically defined as any healthcare services received requiring one or more overnight stays in a medical facility. Normally a patient will be aware of any in-patient treatment being required prior to entering a hospital, in which case they should notify their insurance provider as soon as possible. With proper notification the insurance company will typically contact the hospital directly and arrange the payments of medical expenses for the treatment, minus any deductibles which may be applicable on the policy. In an emergency situation it may not be possible to contact your insurance provider prior to being admitted to a medical facility. Simply contact your insurer at the first possible opportunity, and if you are receiving treatment for an eligible expense under the policy, you may rest assured that the costs will be covered. Out-Patient Out-patient treatment is normally defined as any medical treatment not requiring an overnight stay in a medical facility. Out-patient treatments will normally include such things as day surgeries, specialist consultations, and general practitioner visits. Generally, the policyholder will typically cover the costs associated with out-patient treatments by themselves. After which a claims form will be submitted to the insurance company, who will then process the form and provide reimbursement. In some cases an insurance company may have an extensive network of affiliated medical facilities and pre-approved doctors, in which case you may simply use the services and show your medical insurance membership card. Utilizing your insurers affiliate network will normally require no payment at all. Please speak to one of our expert consultants for more information regarding the direct settlement networks available. In a small number of cases problems can arise during the claims process. These problems are primarily attributed to incomplete or missing paperwork; the doctor in charge of the treatment may not have signed the claim form or there may be some receipts missing from the claims package. At Pacific Prime our dedicated in-house claims team will work with you to ensure that all the necessary documentation has been completed and help you to receive prompt settlement of your global health insurance claim. This gives you the peace-of-mind that you need to fully experience life as an expatriate in the 21st century. For more information about the international health insurance claims handling process, or to receive a free customized global health insurance quote, please contact us today. 2009-10-23 12:36:03
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How do i make a clai