CareMed Travel Insurance Assistance

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Frequently Asked Questions

Question
What does "deductible" mean?
Answer
If you have a policy with a deductible, you have to pay the amount indicated as deductible for each treatment yourself. This amount will not be reimbursed by the insurer.
Question
What shall I do if my insurance ID-card/confirmation got lost or stolen?
Answer
Please contact your exchange organization or the CareMed sales office. You will receive a new card/confirmation.
Question
The doctor asked me to pay my bills directly to him. What shall I do?
Answer
If it is a common rule in your host country that patients have to pay the doctor directly, you shall do so as well. Please send the bill together with a claim form to the applicable claims office.
Question
How long does it take to get my money back?
Answer
If you follow the instructions indicated in the CareMed policy wording and all medical documents are provided, reimbursement may take 2-3 weeks.
Question
Can I send in my bills once I am back in my home country?
Answer
Your claims shall be sent in within 60 days. So if you return to your home country shortly after your treatment, you can hand in the claim once you are at home.
Question
Am I insured while travelling to another country?
Answer
If you have a Z1 policy (e.g. HAITL3Z1LGA), you will be covered worldwide except in your home country. However, if you have a Z2 (HAITL3Z2LGA) policy, you will only be covered in any country except the USA, Canada & your home country.
Question
Will I be covered if I go back home for Christmas or any other event?
Answer
No, CareMed offers travel insurance and does not cover you in your home country.
Question
I intend to work during my stay abroad. Am I covered at my work place?
Answer
As a CareMed insured you may accept such light duties such as child-care or au-pair services or participate in a training program. There is also cover for all activities within the framework of a F1, J1, J2 and H2B visa for entry into the U.S. or Working Holiday Visa for entry into Australia, New Zealand or Canada, e.g..
Question
I want to stay longer than foreseen. Can I extend my insurance?
Answer
Original insurance contracts are not extended; however, you may reapply for additional policy periods subject to the terms of insurance available at that time. Pre-existing conditions are not covered in a subsequent policy period. In order to extend your insurance please contact your exchange organization or travel agency. They will do it for you. Please make sure that you reapply your insurance prior to the expiry date of your ongoing insurance period.
Question
Why is insurance coverage in OFAC sanctioned countries not offered?
Answer
Due to the OFAC sanctions, it is not allowed to do any transactions with companies, organizations and institutions based in these countries. Unfortunately, this also includes medical facilities. See: http://www.treasury.gov/resource-center/sanctions/Programs/pages/cuba.aspx
Question
What is the meaning of the policy code indicated on my insurance ID-card?
Answer
Insurance Codes (indicated on the policy and the ID-card)
HA health/accident insurance
X hazardous sport coverage
E emergency travel insurance
I indemnity in case of accident
T travel assistance
L luggage insurance
3 third party liability
 
Z1 destination: worldwide including USA & Canada, except home country
Z2 destination: worldwide except USA, Canada & home country
 
L long-term
S short-term
 
G Gold, unlimited medical benefits
S Silver, €/US$ 250.000 medical benefits
B Bronze, €/US$ 50.000 medical benefits
 
A no deductible
B €/US$ 50 deductible
C €/US$ 100 deductible
D €/US$ 250 deductible

Example of insurance codes in a policy number:

HAITL3Z1LGA   HAZ1LGB
  • comprehensive (health/accident insurance, indemnity in case of accident, travel assistance, luggage, third-party liability)
  • worldwide including USA & Canada, except home country
  • long-term
  • unlimited medical benefits
  • no deductible in case of medical costs
 
  • health and accident Insurance
  • worldwide including USA & Canada, except home country
  • long-term
  • unlimited medical benefits
  • US$ 50 deductible
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