Making a Claim: A Clear Guide to the Process
We understand that needing to make a claim can be a stressful time. Our goal is to make the process as simple and straightforward as possible for you. Below you will find guidance for our main insurance products. If you are unsure about any step, please don't hesitate to contact us for assistance.
International Private Healthcare Claims
To ensure a smooth experience, the claims process depends on the type of treatment you are claiming for.
In-Patient Treatment (including surgery and emergencies)
For in-patient care, we can often arrange direct payment to the hospital, so you can focus on your recovery.
- Contact Your Medical Advisor First: Before admission (or immediately afterwards in an emergency), please contact the Medical Advisor named in your policy documents. Pre-authorisation is required for all in-patient treatment and emergency medical transportation.
- Have Your Details Ready: When you speak to your Medical Advisor, please have the following information ready:
a) The name of the treating hospital and physician.
b) The condition or reason for treatment.
Out-Patient Treatment (e.g., consultations, tests)
For out-patient treatment, you are required to pay the healthcare provider first and then claim reimbursement.
- Pay the Bill: Settle the bill with your healthcare provider directly.
- Submit Your Claim: To be reimbursed, please submit your claim to our dedicated administrators, International Claims Management Services (ICMS).
- How to Submit: Fully complete the official claim form and send it to ICMS along with the original bills and receipts.
- Deadline: Please ensure your claim is submitted within 90 days of the first day of treatment.
- Completing the Form: The first two pages are for you, the policyholder, to complete. The third page must be completed and signed by your treating physician.
Healthcare Claims Contact
International Claims Management Services (ICMS)
Phone: +44 (0)20 8905 2888
Other Insurance Claims (Commercial, Property, Home etc.)
For claims related to other policies, such as Small Business, Commercial Property, or Home insurance, the specific process and documentation will be detailed in your policy booklet.
Claims Contact
Phone: +44 (0)20 8905 2888
Email: claims@iphinsurance.com
When contacting us, please have your policy number ready to help us assist you faster.