Do you suffer from influenza, a cold or toothache? Go see a doctor! You are covered by international health insurance. For information on your policy’s benefits and benefit exclusions, go to our section Benefits. Inform your treating doctor (where applicable) about your policy’s scope of benefits to avoid overtreatment.
After treating you, the doctor will give you an invoice. This invoice must include: name of the treated person, illness, type of individual medical services performed as well as the total treatment costs. If the invoice does not include sufficient information for a diagnosis, you can help us a lot by adding a short report about illness and treatment.
Please submit your original invoice along with your insurance number and bank data. Processing of your request usually takes 14 days. After that, we will refund your costs by means of bank transfer to the account mentioned by you.
In the event of illness outside the USA and Canada, please contact:
Click here for the correct claim forms.
When you travel to the USA and to Canada, please contact our partner Global Excel in Canada for advice and support – if possible prior to a medical treatment (24-hour emergency number). The staff of Global Excel will help you to choose the right doctor or hospital, will explain all the billing details and can take care of direct billing with doctors and hospitals. You can call Global Excel 24/7 in the USA and in Canada at +1-877-835-6243 (toll-free).
Please present your insurance certificate to your treating doctor prior to the start of treatment. Your insurance certificate provides the doctor or hospital with all necessary information about the billing of their services. In most cases, direct billing with the treating doctor will be possible without you having to make an advance payment.
After treating you, the doctor will give you an invoice. This invoice must include: name of the treated person, illness, type of individual medical services performed as well as the total treatment costs. Please submit the invoice to our office in Canada. Under normal circumstances, our office will then settle the billing directly with the treating doctor.
If you need medical treatment in the USA or Canada, please contact: