A policy does not make every clinic visit cashless. Before treatment, find out where you may go, what needs approval and who will settle the bill. In an emergency, seek urgent help first.
In this guide+
Two payment routes
Wizer's visitor terms describe direct payment to a provider clinic and reimbursement after the patient pays a clinic outside its network. Neither route promises payment for excluded care. Limits, a deductible and the exact policy still matter.
Call the number on your policy
Tell assistance what happened and ask which clinic to use, whether the visit needs approval and how the bill will be handled. Wizer's published visitor terms require prompt notification; Unison's incoming-tourist terms have their own notification and document deadlines. Follow the terms of your issued policy.
If you paid yourself
Keep the medical report, diagnosis, itemised invoice and payment receipt. Ask the insurer which other documents it needs and when to submit them. GeoCover can help you find the insurer's contact, but only the insurer decides a claim.
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Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.
