If anything distinguishes health insurance reimbursement is that they are a type of medical policies that may allow the insured freely choose the doctor and private health facilities they want. So that the insured pays the entire visit or medical care and then the insurance company reimburses the amount of the costs or part thereof, as has been agreed or established in the policy.
Usually a medical reimbursement insurance allows the insured go to medical professionals in the medical staff of the insurance company or choose any other.
How much health insurance reimburses?
Depending on the insurance companies refund can be of two types:
- Full refund
- Partial refund
This will depend on the limits in the policy has been engaged in the insurance company in question.
Normally insurers usually reimburse 100% of the amount to be spent if the doctor or health center that has come belongs to the medical staff of the insurance company.
When you choose to go to another doctor Free choice the reimbursement rate varies, ie the repayment is usually shorter.
In the case of consultations and treatments are carried out in Spanish territory, insurers typically reimburse a higher percentage, ie, between 80% and 90% of the costs. While consultations abroad the reimbursement rates are generally lower, although this will depend on the company and the policy in question have been recruited.
How to apply for reimbursement of medical expenses?
How to apply for reimbursement depends on the insurance company, but usually the most often ask the insured:
- Send or submit the original bill in which the amount of medical expenses incurred noted.
- Fill out a refund request on the same providing the necessary data of the insured.
- Deadlines, many companies require communicating the incident within a specified period, this is usually about 7 days after it occurs.
- Since the insurer receives all documentation, within reimbursement to the insured it is usually between 5 and 15 days of the request.
Currently, most insurance companies allow through from their website fully make the request for reimbursement of the costs of health insurance.
This requires complete and fill out a form with some necessary data of the insured to make the refund.
When the refund request is made through the website of the insurance company usually ask the user to identify with your ID and password will have been previously requested.
Then usually have a section that indicate the different types of reimbursement are included in insurance coverage, whether medical, pharmacy, etc. Once you've selected the type of refund you wish to make, the insurance company will ask a series of information regarding:
- The beneficiary has received the service
- The bill for which you seek reimbursement.
- Medical reports or prescriptions
- Confirm the account number in which you want the payment.
- Your contact details as they can be a phone and email.
