YOU ASK:

Should the travel insurance company be notified following a successful treatment?

WE ANSWER:

Yes, you should notify the travel insurance company after you have successfully received medical treatment. This will help the travel insurance company process your claim and also help them determine whether you need additional medical treatment that may still fall under the items covered by the policy.

This feedback is also important for the travel insurance company as they may need to make further arrangements with regards to your treatment. There are also some cases when you may need additional treatment once you're back to your home country. This is something that your insurer should know so that they can give you advice on whether treatments at home are still covered by the policy.

In addition, the insurance company has to first approve of any treatments before it will deem these treatments payable under the travel insurance policy. The travel insurance company usually gives you a toll-free number that you can call in case you need a medical problem. When you contact the company, be sure to have all the information on hand. If you do not fully understand the treatments and the extent by which you need it, be sure to ask your doctor for some clarifications. If it is an emergency situation and you are not able to notify the insurance company, be sure to give notice as soon as you possibly can.

How to Proceed When You Need Medical Treatment

In the event that you will need medical treatment, there are two ways that you can go about it.

First, the insurance company (if they have an existing agreement with the health provider) will guarantee the payment of doctors' and hospital fees. This is particularly true if the insurance company has a direct payment deal with the hospital where you were treated.

If you are treated at a hospital that's not in their list of direct payment medical providers, you should first pay for the treatment and then ask for a reimbursement from the insurance company when you return from your trip. You also need to notify the travel insurance company because there may be co-payments or deductibles that should be computed when processing your claim.

Another reason why it is advisable to notify the travel insurance company prior to receiving medical treatment, is because they can provide you with the instructions on how you will go about receiving the treatment.

In addition, after you have received treatment, be sure to get your doctor's report, as well as the receipts for the amounts you have already paid. This will prevent your claim from being rejected once the insurance company starts to process your claim. After all, the insurance company will only pay for claims that are covered by the policy.

What is important is that you are able to get medical treatment when you need it. Seeing a doctor will also prove to your insurance company that you were indeed injured or sick.

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