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International Health Insurance – Claims Process and FAQ

There are two types of international health insurance plans:

  • An indemnity plan, which does not participate in PPO network.
  • A PPO plan, which has participating providers in the network that can bill the insurance company directly.

With either type of plan, you can use any provider of your choice. When you make a purchase, you instantly receive an ID card by email. Additionally, many plans send you the ID card by postal mail as well.

NOTE: Even if you visit a provider within the PPO network and they billed directly, you must still file a Claim Form. Why?

1Choose a Provider

There are many different types of medical providers such as physician’s office, urgent care, hospital emergency room or the hospital. In order to maximize your coverage, it is important to visit a provider appropriate for the situation.

Getting Started:

2Visit Chosen Provider

The insurance ID card has all the necessary information for the provider to bill directly. If they decide not to bill directly, you can pay upfront and file for reimbursement of eligible expenses. Of course, you are still responsible for paying your deductible, coinsurance and anything beyond what the insurance company covers.

Getting Treatment:

3File a Claim Form

Regardless of whether the medical provider bills the insurance company directly or not, you still need to file a claim form. Why? For each incident, download the claim form and submit it along with the necessary documentation.

Claims Process:

Insubuy Claim Help

Having difficulties with your claims being processed? Please contact Insubuy’s dedicated claims resolution specialist for professional help.

Claims Dissatisfaction

Not satisfied with the way your claim was processed? Please make sure to read the important information.

Internet & Social Media Reviews

Unhappy about your claims process results? Before you post review on the internet including social media, please make sure to understand who to write the reviews about.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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