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What do I do in a claims situation outside of Hong Kong?


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Q:

Where do I have to call in case that I need to used the insurance? I'm right here in Toronto Canada

A:

International health insurance plans offered by CCW Global have extensive hospital settlement networks globally, and offer 24 hour monitoring for claims hotlines in an emergency situation.

In the event that you need to claim under your plan while outside of Hong Kong, assuming your policy offers worldwide coverage and does not exclude the USA or Canada, simply contact the insurer as soon as possible to inform them of the treatment you are receiving.

In the case of simple out-patient doctor’s visits, unless you are receiving medical care at a hospital or clinic in the insurer’s settlement network, you will normally have to “pay and claim.” This means that you typically need to settle the bill for your treatment once you have seen the doctor and then submit a claim to the insurer for reimbursement.

For scheduled inpatient treatment (such as an upcoming major surgery, or delivery of a baby under a plan’s maternity benefit) it is advisable to contact the insurer in advance of the treatment so that a Treatment Guarantee can be issued to the hospital. This ensures that your costs are covered under the health insurance policy and that there are no misunderstanding regarding the bill. With a treatment guarantee the health insurance company will liaise directly with the hospital or healthcare facility in question to ensure seamless payment of the treatment, allowing you to concentrate on your recovery.

International Health Insurance plans are generally very easy to utilize, and your certificate of insurance and policy documents will contain extensive information about the best ways to claim for any medical care you may receive whilst covered by the policy.

Should you have any further questions about claiming for care under and international medical insurance plan, or if you would like to further discuss the claims process on your policy, please Contact Us to speak to an expert CCW Health Insurance Broker today.


Answered on: 6 March, 2017 10:26


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