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Ask Our Specialists
Claim was rejected Hi, I purchased medical insurance from insubuy for my in laws'. We had to visit the doctor cause my mother-in-law got swelling on her face. The doctor prescribed her prednisol. I paid my copay and was expecting the insurance covers the rest. but I got a letter from the Insurance company that they are rejecting the claim. Reason code 45. description condition not covered under plan. where can I get a comprehensive list of conditions not covered?
I am sorry to hear that you are having difficulties with your claims. The details of covered benefits and exclusions can be found in the certificate wording that you would have received when you purchased the insurance and it is also available on this web site. However, you would have to specify which product you purchased. Please call us so that we can find out more details about your purchase and and also about the condition. If you are having legitimate issues, we would be glad to help you with your claim.
We purchased the Visitor Secure Plan. The doctor's office has already send the bill to you. Do I need to send you any document other than that. The last date to pay the bill is 03/23/15.
From your last post, it is not clear whether the claim was actually rejected or it is pending. Please note that Insubuy does not process any claims. Therefore, for regular day to day matters, you would work with the insurance company's administrator as we have no information about it. That contact information is given on your insurance card. However, if you are having difficulties with your claim, we would certainly be able to help you. But for that, you would have to call us and provide the details so that we can analyze your situation.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
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