Let’s explore how to use your international student medical insurance, with StudentSecure as an example.
Step 1: Review Plan Policy Documents Prior to Leaving
Before departing, carefully review your plan’s policy documents to understand the coverage provided, as well as any exclusions.
Step 2: Study Abroad with Confidence
While abroad, prioritize your safety and keep your medical ID card and policy documents easily accessible. If you seek medical treatment while abroad, provide your ID card at the time of treatment, and request your medical records and an invoice. Keep your receipts for any payments made – they’ll be needed when you submit a claim for any covered events.
Read “Understanding Your WorldTrips ID Card.”
Step 3: Submit a Claim
If you experience a covered event, submit a claim following the claim procedures outlined in your policy. If you have a StudentSecure plan, you can submit a claim through the Member Portal. Log in, visit the Claims and Appeals page, fill out the required information, and upload supporting documents that support your claim.
What Supporting Documents Do I Need to Submit a Claim?
When submitting a claim to your international student medical insurance provider, you may need to provide the following documents:
- Medical Records – Include relevant medical records to provide evidence of your condition and treatments, including treating physician notes and communication with your healthcare provider.
- Itemized Bills and Receipts – Keep all itemized bills and receipts for payments made as evidence of incurred costs.
Additional documentation may be required based on your unique claim. Review your policy or contact your provider for specific instructions regarding the necessary documentation.
PRO TIP! Be sure to include as much information as you can when submitting your claim to help ensure a smooth and speedy process.
Step 4: Keep in Touch
Keep tabs on your claim status. If you have a StudentSecure plan, you can track the status of your claim via the Member Portal. Your insurance provider may request additional documentation to support your claim. Submit this documentation in a timely manner to help expedite the processing of your claim.
Step 5: Receive Payment or File an Appeal
If your claim is approved, payment will be processed as specified on your claim form. This may be through a bank transfer, check, or other means. If your claim is denied and you disagree with the reasoning, you may appeal the denial following the procedure outlined by your insurance company. Review the denial letter carefully to ensure you respond accordingly and provide any additional evidence needed.
