Are Medical Bills Paid For Or Reimbursed By My Insurer
No one ever wants to put forth a claim, or have to pay medical bills while on vacation, but it is an unfortunate reality for some. And this reality can bring up a number of questions for many. How do you go about paying for the medical attention you may need while abroad? Do you have to pay it all upfront? Will your insurer? How do you go about getting reimbursed if you do need to pay any medical bills? Keep reading and we will have a look at the answers.
Do I Have to Pay Up Front?
Unfortunately, there is no black and white answer to this question as it can vary by insurer, and can be dependent on the manner of medical attention that you require. As a general rule however, your insurer will pay the bill upfront in the event of a costly medical emergency, as long as the incident is covered by your policy. In the even of less costly, non-emergency medical treatment, you would often be the one to pay upfront and would then create a claim to be reimbursed by your insurer.
Putting Forth a Claim
If you do need to put forth a claim with your travel insurer it is important to understand how the claims process works. Coming back after a trip, and dealing with a medical situation can make for a very stressful time, but thankfully your travel insurance broker will be able to help you through the situation. Many insurers also provide a number of options such as online portals, mobile apps and traditional snail mail, when it comes to filing the claim
Ensure You Have Proper Medical Coverage
To ensure that you are covered at the hospital, or properly reimbursed by your insurer, it is important that you have sufficient medical coverage. Nothing would be worse than going through the ordeal of needing medical attention in a foreign country, to only return home to find out you are not covered for it.If you are not sure what level of coverage you should opt for, enlist the help of an insurance broker. A broker will be able to guide you in the right direction and ensure you have the medical coverage you need. If you have any pre-existing medical conditions, be sure to be up front and honest with your broker, and they should be able to point you in the direction of a product that would be right for you, such as PrimeLink’s TravelSense plan.