Do I have to pay the bill for medical claims and then claim them back when I return home?
Yes, if you have received medical treatment, you must keep the receipt and obtain a medical certificate advising of the injury, illness or sickness and the treatment received. You can then claim the cost when you return home.
If you are hospitalised, you or a member of your travelling party, must contact us as soon as possible. Our emergency assistance team is available 24 hours a day every day. They can help you with medical problems, locating the nearest medical facilities, bringing you home if medically necessary, locating embassies and consulates and liaising with loved ones and work colleagues if necessary.
If you do not contact us when you require emergency assistance when it is reasonably possible to do so, then to the extent permissible by law, we may not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by us.
If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000, you MUST contact us as soon as possible. You can also contact the Emergency Assistance team should you require any help on medical matters.
Note:
If you need to submit a claim, an excess may apply for each claimable event. This means that the excess will need to be deducted from your total claim amount when you make a claim, therefore reducing the amount of your claim.