Processing of Reimbursement of Medical Expenses

A common way that a Medical Expenses Insurer will liquidate you is through reimbursement.

This occurs when, for some reason, you had to pay all the expenses yourself and then ask the insurer to reimburse you. This occurs for various reasons but in this case, that is not important.

Medical report. This must be filled out and signed by the doctor who treated you. Ask the doctor who treated you. There it will detail the definitive diagnosis (what condition you have), the date it started, and the treatment applied to you. It must be in the format of your insurer and each of them is different. It almost always comes between your policy documents or maybe you can get it on the website of your insurer or through your Agent. You can't skip it.

Notice of Accident or Illness. This is the document that you will fill out and sign. There you will detail what happened to you, which must coincide with the doctor's diagnosis. It is important that you put the exact dates of the beginning of your condition. It is also a Format that must be from your insurer.

Studies. You must deliver a copy of all the Laboratory or Cabinet studies, and they must be accompanied by their interpretation. The same that served your doctor to conclude the definitive diagnosis of your condition.

Medical Fee Receipts. You must gather all the receipts from the doctor or doctors who treated you. Where they indicate the exact amount that they charged you and the concept, for example, "Medical consultation" or "Appendix surgery". It is important that they meet all current tax requirements. They will not accept provisional receipts or receipts without these requirements.

Bills and prescriptions for all medications. The purchase of medicines must be accompanied by these two documents. the prescription can be in copy. It is important that you attach a copy of the prescription from the doctor who requested them and more if they are of a controlled type of antibiotics. Naturally, all medications must be related to your condition.

Expense summary format. Here you must break down all the expenses you made by category and add them up to know the total expenses you are claiming from the insurers. Do not worry, this is a form that your insurer gives you and in some cases, it must be signed by you.

Format for bank transfer. Most insurers already reimburse your expenses via bank transfer. Ask if you must fill out any form for that purpose. You must regularly accompany it with a copy of the Bank Account Statement, where they will make the payment, and in this must be the account number. As well as a copy of an Official Identification and Proof of address.

It is recommended that you approach your agent so that they can support you in carrying out the procedure with the insurer.