To avoid any problems during a claim, the insured must ensure to follow the following procedure:

–In the case of a visit to the doctor, must complete and apply its stamp on a refund request form. The insured must also complete and sign this document and specify the details of the Bank that it wants to be repaid. The insurer will then check if the pathology is well covered and after the subscription or known to him at the subscription. Otherwise support will be certainly rejected…

 –In case of hospitalization, the insured must apply for support from the insurer. To do this, and before any decision of hospitalization (except in cases of extreme urgency), the insured will have to fill out a form for prior agreement by the doctor in charge. This procedure is also for the MRI ‘heavy’ (…) that may be prescribed. All companies have a hotline 24/24, which will be supported initially by phone if necessary (emergency) and will answer all questions of policy holders concerning the formalities to be fully satisfied with the contract.

Failure to respect this procedure, the insurer shall be entitled to refuse the refund of care.

Some companies now offer the ability to fax or scan documents for reimbursement in common and dental medicine (orders…). This significantly reduces the time… and the risk of loss in the mail!

The originals should be retained because the insurer will be able to carry out inspections and claim them a posteriori.