Expat health insurance claims are typically processed within 2 to 6 weeks of us receiving all required documentation. Delays are usually caused by missing or incorrect documents, treatments that may not be covered, or waiting on information from your healthcare provider. Submitting complete documents for your claim type and responding promptly to any requests helps avoid delays. You receive all claim updates by email.
How long does it take to process an expat health insurance claim?
Expat health insurance claims are typically processed within 2 to 6 weeks of us receiving all required documentation. Claims submitted without the required documents cannot be assessed and must be resubmitted with complete information.
Why is my expat health insurance claim taking longer than usual to process?
A claim can take longer than the usual 2 to 6 weeks for several common reasons:
Missing or incorrect documentation, because we cannot assess the claim until all necessary documents are received.
Treatments that may not be covered by the expat health insurance policy, such as pre-existing conditions, routine check-ups without symptoms, or preventive care. In these cases, we may request more information before deciding on coverage.
Waiting on medical information from your treating healthcare provider, because we need their response before we can complete the claim.
Claims made within 31 days of your policy start date, because we need to verify whether you qualify for a waiting-period waiver.
Once all required documents and information are received, the claim is usually processed within 2 to 6 weeks.
What should I do if I'm asked to fill out a form or provide additional documents?
Complete any requested form with as much detail as possible, and enter "N/A" for any question that does not apply to your situation. You can complete and return forms electronically using a digital tool such as DocHub. If you're asked for additional supporting documents, upload them to your existing claim within 7 days of your initial submission. If more than 7 days have passed, submit them as a new claim.
How will I be notified when there's an update to my claim?
Once your claim is being processed, you receive all updates by email.
What should I do if I haven't received an update after six weeks?
If you have not received any update on your expat health insurance claim after six weeks, you can contact our support team for more assistance or additional resources to request an investigation into your claim.