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How do I make a claim and how do I pay for my premium

How do I make a claim and how do I pay for my premium

Question: 
I am in Morocco and I want to know how it works, if I go to the Dr or if I have an accident, do I have to pay first, and get the money back? How long it takes to get reimbursed. Can my son or husband make payments for me? On of them will give you his credit card, and make payment, or direct deposit each month? Please get back to me.

Answer: 
Pacific Prime can provide expatriates in Morocco with comprehensive global health insurance options which will provide you with the highest levels of coverage around the world. We work with more than 60 leading international health insurance companies, each of which offers different plan benefits; including different procedures for making medical claims and paying for premiums.


Health insurers will usually offer customers a few different options to pay for their health insurance premium. Premium payments can usually be made monthly, quarterly or annually. Fees are typically applied to monthly and quarterly payments, whereas annual payments will generally be the cheapest premium payment option. You can pay for your Morocco health insurance plan with cash, wire transfer, cheque, or credit card in most major currencies (EUR, USD, GBP, etc). In the event that you choose to pay for your Morocco medical insurance plan by credit card it is important to note that an additional surcharge may be levied by the insurance company. Additionally, the holder of the credit card will need to be stated on the health insurance application form and a signature will be required. The credit card holder can be the policy holder (yourself) or another individual, as long as this is stated on the policy application form. However in some countries, for example China, premium payments can not be made on behalf of the policy holder.


Before seeing a doctor, policy holders should find out what medical centres and hospitals are listed on the insurers' network of providers. Health insurers will usually have special agreements with network providers and this can make claiming for treatment very easy. Network providers will usually offer direct billing and co-payment, or deductible, services. A copayment is an amount paid by the policy holder, for every medical appointment. For example, if the policy holder has a co-payment of US$10, they will pay US$10 after the doctor consultation, and the insurer will pay the remaining amount of the medical bill (up to the plan limit). Network providers with direct billing arrangements will organize the payment of your medical bill with your health insurance company, saving you the need to submit claims paperwork to the insurance company.


If the medical treatment is received outside of a network provider, the policy holder will need to pay for their treatment and submit and claim form to the health insurance company. To make a medical claim, the policy holder will need to fill out a claim form and attach the medical invoice and any other requested documents. Your medical invoice will need to include a breakdown of the medical services and their costs. The time to process a medical claim will differ among health insurers. However, this period will normally be between 5 and 7 days, upon receipt of the completed claim form. Health insurers will normally offer options to send the claim form via post, fax or email.


Claiming for hospital treatment will normally require pre-authorisation. For example, if you need a knee operation, you and your doctor will need to complete a pre-authorisation form and attach any medical documents as requested. On receipt of your pre-authorisation form, the health insurer will advise the policy holder of the decision made and will submit an authorization form if treatment is approved. Direct billing services will normally be offered at network provider hospitals and can usually be arranged outside of network providers if necessary.


Pre-authorisation of medical treatment is not required in the case of an emergency, however policy holders must contact their health insurer within 24 hours of hospital admission. Pre-authorization of treatment will normally be arranged between the hospital and the health insurance company.


For more information about Morocco Health Insurance Plans offered through Pacific Prime, or to receive a free global Health Insurance quote, please contact us today.
     
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