CLAIMS

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HOW TO CLAIM

• Call us at 1-866-515-1627
• It is the responsibility of the claimant to produce any documentation required by our Claims Department to enable them to process and confirm the eligibility of the claim.
• All required documentation must be provided within 12 months from the date of loss. To qualify for reimbursement of eligible expenses, original, itemized receipts must be provided within 12 months from the date the expense is incurred.
• All claims MUST be pre-authorized by the Claims Department or the claim will NOT be paid. Medical Clinics and Physicians will be reimbursed directly by the Claims Department for pre-authorized medical expenses.

PAYMENT TO THE PROVIDER

Medical Clinics and Physicians will be reimbursed directly by Us for Pre-Authorized medical  expenses.

NOTICE AND PROOF OF CLAIM

The Insured Person or the agent of the Insured Person shall:

1. provide notice of claim not later than 30 days from the date a claim arises under the policy on  account of Injury or Sickness;
2. within 90 days from the date a claim arises under the policy due to an Injury or Sickness, furnish to Us such proof as is reasonably possible in the circumstances of the happening of the Injury or the commencement of the Sickness, and the loss occasioned thereby, the right of the claimant to receive payment, and his age; and
3. if so required by Us, furnish a satisfactory certificate as to the cause or nature of the Injury or Sickness for which claim may be made under the policy.

FAILURE TO GIVE NOTICE OR PROOF

Failure to give notice of claim or furnish proof of claim within the time prescribed does not invalidate the claim if the notice or proof is given or furnished as soon as reasonably possible, and in no event later than 12 months from the date of the Injury or Sickness, if it is shown that it was not reasonably possible to give notice or furnish proof within the time so prescribed.

MISSED APPOINTMENTS

It is EXTREMELY important to attend your scheduled appointment. If you are unable to attend, you MUST reschedule more than 24 hours prior to the appointment.

An Insured Person who fails to meet Our scheduled appointment for any pre-authorized treatment will be required to indemnify Us with the following applicable charge before treatment is performed at a later date. This charge does not apply if the appointment is re-scheduled more than 24 hours prior to the appointment or if We determine that it was not reasonably possible for the appointment to be rescheduled. The charge for a missed appointment is as follows:

• Missed consultation: $100.00
• Missed Diagnostic Procedure: $200.00