... Insurance & Claims Processing

Introduction

A travel-insurance policy to cover medical problems is a wise idea. There is a wide variety of policies available and your travel agent will be able to make recommendations. Some policies specifically exclude 'dangerous activities', including scuba diving, motorcycling and even trekking. 

If such activities are on your agenda then you do not want that sort of policy. Also "check" if a locally acquired motorcycle license is valid under your policy. Overall, we advise that you take a policy which pays doctors or hospitals direct rather than you having to pay on the spot and claim later. If you have to claim later make sure you keep all documentation. 

Some policies ask you to call back (reverse charges) to a center in your home country where an immediate assessment of your problem is made. Check if the policy covers ambulances and/or emergency flights home. Other usual exclusions are vaccinations, congenital diseases, food & beverages, personal phone calls, etc…

Some insurance policies include coverage for psychiatric treatment and for disposition of remains in the event of death. Insurance is playing a larger and larger role in helping people obtain treatment. 

We consider our relationship with you to be of primary importance and will always make our recommendations to you based on what we believe is the very best treatment for you regardless of your insurance coverage. As the patient, it is your responsibility to deal with your insurance company. Be careful with your policies "Period of Validity" (usually 90 Days). Insurance is an important aid.

We Recommend

We are experienced in dealing with Health Insurance Companies. Send us your questions and we would be delighted to help you in your choice. Check the small print. Read carefully your plan before buy it! 

Most of them do have an excess. Check the benefits. Some plans pay more....some pay less. The amount your plan pays is determined in your policy. 

A Cheap plan for "insurance" means you'll receive less coverage. Check your insurance coverage and restrictions. Make sure you bought what you need because each plan is different. 

SIH's Insurance Policy

We are currently working with all insurance companies, which accept our policy regarding payment guarantees:

For In Patients, the patient has to provide a valid policy number policy, insurance name and contact number and we will assist them in contacting their insurance company to obtain a clear payment guarantee without conditions stipulating exclusions and/or excess amount. A copy of your passport eases and assists the procedure and is therefore recommended.

If these conditions are satisfied the patient will receive cashless services at the hospital. For Out Patients, the patient has to pay his medical invoice first and claim back this amount from their policy when they return home. We will provide the patient with a medical report and an itemized medical invoice.

Insurers and their Contact Numbers