Why Do I Need to File a Visitors Insurance Claim?

Why Do I Need to File a Visitors Insurance Claim?

Claim processing and handing always seems to rank among the top queries at any insurance firm. It's important that you know how it works and how you can get the most from your claim process.There's a fundamental difference between domestic health insurance and temporary insurance, such as visitors insurance. While domestic insurance claims are generally straightforward, without requiring you to fill a claim form each time you avail a service, visitors insurance plans need you to file for a claim even if the provider directly bills the insurance company

Why File a Travel Insurance Claim?

Although it is a well-known fact that everyone dislikes extra paperwork, filing a claim is not only an important part of availing the benefits of visitors insurance, but also accelerates the process of getting compensated smoothly.

Here are some of the reasons, why you need to file a claim:

  • Verifying the identity of insured person: The insurance company needs to ascertain the details of the insured individual, such as date of birth, name, etc. Only an ID can serve as a legitimate proof. The basic identification that visitors to the U.S. have is their passport, which works both as personal identification and proof of their legal status as visitors to the U.S. The insurance company needs to verify the identity and all other related information about the insured person to ensure eligibility of the claim.
  • Audit purpose: The U.S. government insurance law mandates insurance companies to obtain complete documentation before making any authorized payment.
  • Preventing frauds: It is essential for insurance companies to ensure that the payment for a claim is genuine. To protect the insurance industry from numerous kinds of fraud, the claim form and passport information are a pre-requisite.
  • Faster reimbursement or bill settlement: Since there are multiple decision makers on a claim, keeping all the details of the insured handy helps insurance companies to effectively communicate with providers, facilitating a faster and easier claim processes, thus enabling you to get your reimbursement as soon as possible.

How to File a Visitors Insurance Claim

Here are some quick steps to help you file a claim appropriately:

  • After you have availed a healthcare service, download the appropriate claims forms
  • Fill in the details of the insured individual completely.

Include a copy of the visitor's passport page and U.S. entry immigration stamped page, before you mail/fax the paperwork to the claims department. Address and sending instructions are stated on the form.

Ensure that the day you file the claim is well within the specified eligible period listed on your policy (generally within 90 days from the day service was rendered).

Click for more details on the travel insurance claim process.

No company wants to complicate consumer processes. So, while the insurance company figures out a way to best assist you, following these steps will make it easier to process and resolve your claims faster.If you have any questions, contact our Customer Success Team for assistance.