A successful claim depends on both the cover and the process you follow. Use this sequence to stay connected with assistance and preserve the evidence required for direct billing or reimbursement.
In this guide+
Step 1. Assess the urgency
Call 112 when life or safety is at immediate risk and provide your exact location and condition. For a non-emergency, open the policy and contact its assistance number before selecting a clinic yourself.
Step 2. Register the case
Provide the policy number, name, date of birth, location, symptoms, and a reachable phone number. Record the case reference, operator name, and agreed next steps. Do not promise insurer payment to a clinic without confirmation.
Step 3. Collect medical evidence
Ask for a dated and signed medical report with the diagnosis, prescriptions, and test results. The records should clearly connect the service with the insured patient and reported event.
Step 4. Keep proof of every expense
Reimbursement commonly requires an itemized invoice, fiscal receipt or bank payment confirmation, and medicine receipts. Keep the originals and make readable copies as soon as you receive them.
Step 5. Submit the complete file on time
Include passport and policy copies, travel evidence, and bank details when requested. Use the official channel stated in the policy and follow its notification and filing deadlines.
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Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.
