Are travel insurance directly billed or is it reimbursement basis

Just a short recap in the chart below on the types of claims:

Each Assistance Company has their own network of hospitals throughout the world and the insured can reach out to these hospitals/medical facilities through the Assistance company. The recommended process is as follows:

• For any support, call the Assistance Company/TPA and explain the nature of support required – medical, / non-medical…Keep the policy certificate number handy when calling them
• Inform them about the exact location of the insured and what treatment is required.
  • For example, if the insured requires treatment for a routine illness (fever, cold, cough, hypertension etc) they would refer the insured to a General Practitioner (GP) who is located closest to the insured. They may also taken into consideration language challenges and could refer the insured to a local language speaking doctor (Hindi, Tamil, Punjabi etc)
  • If however there is a more serious condition that requires more sophisticated treatment, they could refer the insured to the nearest multi speciality hospital for treatment
  • If the treatment required is specialised in nature, like physiotherapy, psychiatric treatment etc they may opt to refer the insured to a specialist near by
• They will inform the Medical facility prior to your arrival that will ensure better quality treatment

Hence it is important that the insured traveller uses the presence of the Assistance Company/TPA abroad and their network of hospitals for the best quality medical care.