Do I have to pay the medical and hospital fees first and then make a claim?

It depends on the situation: 

• If you visit a doctor overseas: You’ll usually need to pay the consultation fees yourself, then keep the receipt and doctor’s report to include with your claim. 
• If you are hospitalised overseas: Contact the worldwide 24/7 Emergency Assistance team as soon as possible. If you’re too unwell, your travelling companion or medical team can do this for you. The Emergency Assistance team will liaise with the hospital, assess your situation, and help coordinate how payments will be managed. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.