How to Claim

Everything you need to know about the Expat Healthcare 360 claims process.

This is one of the most important parts of your cover. The basic rule is simple: always contact the insurance company first when you can. Doing that gives the medical team a chance to direct you to suitable care, confirm the right route, and arrange payment correctly.

Following the correct claims procedure is beneficial for your HEALTH

By contacting the insurer before treatment, the medical team can help you choose a suitable hospital, confirm that the proposed treatment matches your policy, and avoid unnecessary or inappropriate care.

Outpatient Benefits

Everyday outpatient treatment, such as a doctor visit, prescription, or minor clinic appointment, may not always need pre-authorisation. Keep invoices, diagnosis notes, and receipts so reimbursement can be reviewed quickly.

Following the correct claims procedure is beneficial for your WEALTH

Contact the insurer BEFORE inpatient treatment. The insurer will liaise with the hospital and arrange direct settlement. This can reduce the need to pay large bills first and claim them back later. Always contact the insurer when you can, or insist the hospital or clinic administration does so using the contact details and policy number provided.

Following the correct claims procedure is LESS DRAMA for you to deal with

When the insurer speaks directly with the hospital, paperwork is easier to manage and you can focus on getting better rather than trying to coordinate documents in an emergency.

Emergency Situations

If it is not possible to call before treatment, contact the insurer as soon as you reasonably can. Keep your policy information with you and save the emergency numbers issued with your policy in your phone.

Contact Telephone Numbers for CLAIMS and MEDICAL ENQUIRIES

Use the medical claims and enquiry numbers shown on your policy documents. The examples below show the type of regional contacts you should keep saved before you travel.