Why do I need to file additional paperwork for a claim?
Unlike most domestic insurance program, visitors insurance requires the additional step of filing claims. It is important to file claims when using your visitors insurance so that the insurance company can keep track of your medical expenses and pay them in a prompt and timely manner. Filing a claim allows the insurance company to create a record in their system for each illness, sickness, or incident. You will only need to file one claim per illness. By filing claims with the insurance company, they will know they have to pay you and reimburse you for medical expenses.
Reasons to File a Claim:
Quick Bill Settlement & Reimbursement
Typically, each insurance company has a claims office which processes the paperwork, reviews the claims, and approves the claim for reimbursement. Filing a claim with an insurance company when you have used the insurance allows them to track these medical expenses. By keeping the paperwork in order, you will be able to get your reimbursement processed faster.
Steps to File a Visitors Insurance Claim
We recommend the following steps while submitting a Visitors Insurance Claims to ensure you are reimbursed for medical expenses:
Identity of Insured
Insurance companies need to know the identity of the insured in order to properly process the claims. Information required by the insurance company to process the claims include date of birth, name, passport number, etc. The insurance company must verify this information in order properly handle the claims and ensure that the covered person is eligible for the health insurance program.
Prevent Creditors from Asking for Payment
Creditors & Other bill collection agencies will often follow up with relatives in the United States for unpaid medical bills. These bill collection agencies will not stop until they collect payment & will harass you until a payment is made- often times using threatening language.
If you file claims paperwork, there will a record / paper-trail of the medical expense being sent for reimbursement, and if the claim is paid in full you will not be held liable for any medical bills.
Claims Help with INF
If you ever need help filing out a claim form, feel free to reach us at 408-540-3600. One of our agents will be more than happy to answer any questions on claim forms you may have.
We know filing claims paperwork is a bit confusing, but this is a necessary process in order to ensure you are reimbursed for any medical expenses you may have paid out of pocket.