If you are travelling outside Australia, it is vital to think about all your health needs before going overseas. One of the things you should not forget is to get travel insurance for problems you may encounter during your trip, including acquiring an illness. This will help you recover some, if not all, of the medical expenses you will incur if you get sick overseas.
Lodging an insurance claim can prove frustrating at times due, for instance, to incorrect coverage, or being underinsured. It is therefore necessary that before travelling, you carefully choose the right type of travel insurance to fit your needs. Once you have procured the appropriate type of travel insurance coverage, you can leave for abroad with peace of mind.
The second most frequent type of claim from travel insurance is for medical expenses. Some of the most common sicknesses acquired overseas are gastroenteritis, food poisoning, and injuries from a fall or a slip. When these or other illnesses transpire, you should go to the nearest hospital or medical facility. Be sure to have your passport with you, as this is commonly required before you can receive treatment.
Most travel insurance companies require their clients to give them a call when they enter the hospital, so that they can best facilitate their medical needs. Some will even send payment guarantees to the hospital to cover the cost. The travel insurers may also send information to the medical facility about pre-existing conditions declared upon purchase of the insurance. In cases where clients have paid their medical fees overseas, they should keep the receipts of what was paid, to be able to claim later from the insurance company.
Other travel insurers require their clients to lodge their claim by filling up a form and attaching to it all relevant documentation, such as hospital records, police reports, original receipts and any other supporting documents the insurer requires. These may differ according to the travel insurance company. Claim forms are usually downloadable from the Internet. Once this is filled up and all required documents are provided, they can be sent personally, by courier, or for some companies, faxed, to the insurance company for processing. You might also be required to provide certified translations of your doctor’s report and other documents. If this is the case, you should contact a provider such as The Migration Translators or Aussie Translations, and they will be able to help.
To ensure that you get the appropriate insurance claim, it would be ideal to get insurance that has unlimited medical coverage for international travel. It would also give you more reassurance if it covered medical evacuations, and considered even pre-existing conditions. A good travel insurance company can be contacted from anywhere worldwide, and provides 24/7 emergency assistance. When lodging a claim, be sure to do it within the time specified by the insurance company. Some companies require it to be done within 30 days of the day of return to Australia. Late claims are likely to be rejected.