What should you do if an insured event occurs?
Call the insurance company first. Expenses may not be reimbursed without the required notification.
Call the hotline
Immediately report the insured event using the number shown in your policy.
Follow the operator's instructions
The operator will explain what to do. At a partner clinic, the insurer pays the covered portion directly.
If you paid for treatment yourself
Keep the original policy, your ID, Form N100 describing the services, the itemised statement and the cash receipt.
Submit the documents
Contact the insurance company no later than 30 days after receiving medical care.
Receive the decision
The insurer will review the documents and determine the reimbursement amount within the policy terms and limits.
Important! Expenses incurred without mandatory notification or prior approval may not be reimbursed. The exception is a documented inability to contact the insurance company.
The full claims procedure and list of required documents are set out in the insurance terms.