QUESTION: Healthcare abroad: what documents are needed for reimbursement?

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Medical care abroad requires not only timely visits to doctors, but also competent collection of documents for subsequent insurance reimbursement. The main rule for successful expense compensation is maximum detail and neatness when processing each document.

First of all, you need to contact your insurance company before visiting a doctor or immediately after emergency hospitalization. The operator must record the insured event and direct you to an accredited clinic. If this was not possible, keep all incoming and outgoing calls confirming your contact with the assistance company.

Follow the travel planning rule: use the 70/30 rule, where 70 percent of the route and medical risks are fixed and thought out in advance, and 30 percent is left for flexibility. This will help you clearly understand the algorithm of actions in unexpected situations.

For successful expense reimbursement, you will need the following mandatory documents:

1. A completed insurance claim form, which can be downloaded from the insurance company's website.
2. The original medical report with the diagnosis, doctor's and clinic's seals, and a list of rendered services.
3. All prescriptions for purchased medications with the doctor's seal and the pharmacy's stamp.
4. Cash and sales receipts confirming the payment for medical services and the purchase of medicines.
5. Copies of passport pages with border crossing marks and travel documents.

Submit the complete package of documents to the insurance company within the deadlines specified in your policy, usually from 14 to 30 days from the moment of returning from the trip. Stick to the pre-compiled action plan: make a list of documents and deadlines for the insurance to prevent most possible delays in payments.

QUESTION: Healthcare abroad: what documents are needed for reimbursement?

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