What's the difference?

Even though the United States has some of the best healthcare in the world, it is also the most expensive. Healthcare is very complicated to begin with, and for the average consumer, it can be overwhelming to deal with in a foreign country.

On top of that, if a claim is denied, most consumers simply lack the expertise or experience to understand why. Therefore, it is not only important to select the right visitors insurance for your specific needs; it is even more important to select the right broker to purchase it from. You should purchase from a reputed broker, like Insubuy, who will stand by you at every step of the process, especially if a genuine or complicated claim has been denied.

Insubuy's experienced claim resolution specialists would be happy to guide you in such difficult times. If the claim's denial is legitimate, we can help you understand why. And if not, we can act as your well-wisher by explaining how to get the denial overturned and receive the coverage you deserve.

Reason for Claim Appeal

The insured's claim was denied due to complications of the pre-existing condition of diabetes. The insured’s stay in the hospital was for low blood sugar, also known as hypoglycemia, which is known to be a result of diabetes. He filed an appeal on his own stating that during his first visit to an urgent care clinic, he was diagnosed with gastroenteritis (as the cause of diarrhea) and low blood sugar (hypoglycemia), which then required inpatient treatment at a hospital. The appeal was focused on the diagnosis of gastroenteritis. He failed to provide medical certainty that the pre-existing condition of diabetes was not the cause of low blood sugar (hypoglycemia), and the appeal was denied. That is when he decided to call Insubuy for help.

After Contacting Insubuy

Our Claims Resolution Specialist reviewed the medical records and discovered that the insured had a very strong case—just not the expertise to word the appeal properly or what to focus on in order to have a claim’s decision overturned and paid.

Our specialist coached the customer to focus on how low blood sugar (hypoglycemia) is the complete opposite of diabetes and that diabetes was never a factor in any of his treatment. He was encouraged to emphasize that his low blood sugar (hypoglycemia) was the result of persistent and extreme diarrhea and gastroenteritis, not diabetes.

We asked that, unless the claims department could prove with reasonable medical certainty that the customer’s condition was a direct result of his pre-existing conditions and not a new illness, all claims in question be processed for payment. The insurance company agreed with our argument, overturned their decision, and paid all claims.

With the help of our expert Claims Resolution Specialist, once again, Insubuy was able to get all of our customer’s claims paid!

Conclusion

While the same visitors insurance plans are available from any agent anywhere at the same price, Insubuy has over 20 years of experience dealing primarily with the intricacies of visitors insurance. Insubuy, as a broker, works in the best interest of its customers. Therefore, if any of our customers have genuine issues with their claims, we will do everything we can to get their legitimate claims paid. Such expertise really matters to customers when they need us the most. It definitely makes sense to purchase visitors insurance from a customer-friendly company like Insubuy, which offers an added layer of security and peace of mind at no additional cost.