When planning a group trip, travel agencies offer standard travel health insurance packages. But sometimes the insurance companies do not give you the proper package or do not include this or that case in the trip insurance packages. So today we are going to discuss the insurance problems and the ways of solving them.
1. Calling the insurance center.
Sometimes the coordinators of the travel health insurance companies do not call the financial centers in time, which is specified in the policy, and thus you are being required to pay for the health services with your own money. Keep in mind that calling the alarm centers of the insurance company is a must. This is actually the first thing you should do.
Solution: When traveling, keep in mind that you better have your insurance info in your pocket so that in case of an accident there will be a chance to make a call to your agency. You can also leave your insurance company contacts at the hotel reception.
2. The specifications of the insurance company policy system.
When some kind of accident happens to you, you make a call to the alarm-center, but you are asked to pay for the medical care, and only afterwards they are paying you back in the form of the reimbursement. This usually happens with the low-cost payments (which do not exceed $100-200).
The insurance companies usually don’t pay for the indirect costs. At the first glance, those are just minor payments, but if you multiply them by the tens of thousands of insurance claims, it leads to the real savings of the insurance company. This information might not be included in the policy of the insurance company, so you should inquire the information about your insurance coverage in advance.
Solution: As the practice shows, if you get too anxious about the situation straight from the beginning, it is likely that the insurance company will take the responsibility for the indirect payments. Thus you should be careful while working over the techniques of cooperating with your insurance companies.
3. The case was not insured?
The list of insurance coverage cases are included in the policy. Basically, the most common exceptions are the following: Chronic diseases, alcohol intoxication and injuries while being drunk, everything connected with childbirth (and most of the companies do not cover anything connected with the pregnancy) and non-emergency dental care.
Is your case insured? Actually You can find it out by calling the insurance company.
Solution: When calling the insurance call center, the tourist receives detailed instructions. The manager will organizes the visit of the physician, will call a taxi, if necessary, and will contact ambulance. Incidentally, in some countries, the doctor does not come to the patient for any money (for example, in France), and you have to make a visit to the doctor.
If a tourist is unconscious, in most cases he will not be left laying there, but will be taken to the hospital. But after his life is saved, the first question will asked will be “Where is the health insurance?”
In Europe, the tourist who doesn’t have a health insurance will be issued an invoice and after he pays he will be released. But if he fails to pay the expenses, there’s a chance that he will not get a visa for that specific country anymore. What if you lost your insurance policy? That’s simple. You just need to make a call to your insurance company, and they will confirm you’re their customer, and the problem will be solved.
4. How to reimburse the spent money?
If the client has turned to a health facility without a call to the insurance company, the reimbursement of the sum is not guaranteed. But if the policy doesn’t say that these kinds of cases are not reimbursed, then you are lucky: As soon as you return to your home town, just make a written request for reimbursement to your insurance company, and don’t forget yo attach all the required documents. Specialists will review the application and, if it is approved, they will pay your money back. If they refuse, you will receive a letter with the reasons of the denial.
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http://www.insuranceproviders.com/what-is-a-medical-reimbursement-plan/
