You can still submit claims after canceling your Expat health insurance, as long as the treatment happened while the policy was active. You have up to 3 years from the date of the medical event to file. The claims process and reimbursement method stay the same as when your policy was active.
Can I submit health insurance claims after canceling my expat health policy?
Yes. You can submit a claim for any medical treatment or event that occurred while your Expat health insurance was active, even after you cancel the policy. You have up to 3 years from the date of the medical event to submit a claim, and the submission process is the same as it was while your policy was active.
What types of claims are covered after canceling my policy?
Coverage depends on when and why the treatment happened:
Accidents, emergencies, and new illnesses that occurred while your Expat health insurance was active are covered.
Pre-existing conditions, routine check-ups, preventive care are not covered. Treatments that happened after your coverage ended are also not covered, even if your condition started while you were covered.
How will I receive reimbursement for claims submitted after canceling my policy?
If your claim is approved, you will receive reimbursement to the EU IBAN bank account you provided when submitting the claim.
Where can I find more information about the claim process?
Detailed information about submitting claims can be found in this comprehensive claims FAQ.