Q: How do I make a claim?

A: Most international insurance providers will send a client pack, with Insurance Certificate, Claims Forms and Helpline Card, with a range of international contact numbers. Many international insurers now pre-authorize any in-patient treatment, meaning that you must contact their help lines before seeking treatment and incurring costs. Out-patient costs are usually dealt by routine Claim Forms (i.e. you pay first). If in doubt always call the help lines before seeking treatment and committing yourself to costs.