Expat health insurance claims typically process within 2 to 6 weeks. Delays often occur due to missing or incorrect documentation, claims that may not be covered under the policy, or waiting on information from your healthcare provider. Submitting the correct documents for your claim type and responding promptly to any requests for additional information (including following up with your healthcare providers when asked) helps avoid unnecessary delays.
How long does it take to process an expat health insurance claim?
Claims are typically processed within 2-4 weeks of receiving all required documentation, although sometimes up to 6 weeks.
Claims submitted without the required documents cannot be processed and will be asked to be resubmitted with complete information.
Why is my expat health insurance claim taking longer than the usual 2-6 weeks to process?
There are several common reasons for delays in claim processing:
Missing or incorrect documentation causes delays because we cannot assess the claim properly until all necessary documents are received.
The claim may involve conditions or treatments not covered by the expat health insurance policy, such as pre-existing conditions, routine check-ups without symptoms, or preventive care. In this case, we may need to request additional information from you before deciding on coverage.
Waiting on medical information from your treating team can extend processing time as we must receive their response before processing the claim.
You made your claim within 31 days of starting your policy, and we need to verify if you are eligible for a waiting period waiver.
Once all required documents and information are received, the claim is usually processed within 1 to 4 weeks.
What should I do if I'm asked to fill out a form or provide additional information or documents?
Complete any requested forms with as much detail as possible. If a question does not apply to your situation, enter "N/A." You may use a digital tool such as DocHub to complete and return forms electronically.
Similarly, you may be asked to provide additional supporting documents. In that case, you can upload them to your existing claim within 7 days of initial submission, or upload them as a new claim if more than 7 days have passed.
How will I be notified when there's been an update to my claim?
Once your claim is being processed, you'll receive all updates via email.
What should I do if I have not received any update on my expat health claim after six weeks?
If you have not received any feedback or update regarding your claim beyond six weeks, contact our support team directly to request an investigation and assistance with your claim.