Inpatient treatment and any claims that are likely to exceed £2,500/$2,500/€2,500
STEP 3
GET TREATMENT
Receive your treatment as per the advice from CEGA. The hospital or a physician will settle their bills directly with CEGA.
Your guide to making a claim
How to make a claim
Emergency medical evacuation
Our plans include an evacuation and repatriation service. This means that if you are unable to get the treatment you need locally, we’ll organise for you to be taken to where you can.
Our medical assistance partner, CEGA, can arrange a medical evacuation by a scheduled airline or air ambulance to safely transport you to a more suitable medical facility. You must contact them first if you wish to start your claim. The nature of the medical condition and your location are often the key factors when arranging evacuation transport and the type of medical escort required.
Important documents
At APRIL International, we aim to make the claims process as easy as possible for you. Follow this guide for more information on how to submit a claim for your medical treatment.
© 2023 APRIL International. All rights reserved.
Outpatient consultations, tests and treatment (including dental care)
If you have a medical concern, you can visit your doctor who will discuss your condition and recommend treatment. If they think you need to see a specialist, they will arrange for a referral letter to be sent to you via email.
If you see a doctor or a specialist as an outpatient, you'll normally need to pay the bill at the time of your appointment. The hospital should provide you with an itemised invoice and proof of payment. Make sure you keep these as you'll need to send them to us.
STEP 1
CONTACT CEGA, THE ASSISTANCE COMPANY
When you have an emergency or life-threatening medical condition and local medical facilities are not available or adequate, call +44(0)1243 621130, or email: [email protected]. You will need your certificate number and treating physician’s details.
STEP 2
ASSESS YOUR CLAIM
CEGA will assess the availability of the local facilities and decide whether a medical evacuation is required and make the necessary arrangements.
STEP 3
MEDICAL EVACUATION
You will be taken to the nearest centre of excellence to receive medical treatment. All medical and evacuation costs will be settled directly with CEGA.
HOW TO GET HELP IN AN EMERGENCY
Short-term and student plans
STEP 1
CONTACT CEGA, THE ASSISTANCE COMPANY
To start a claim, you'll need to call CEGA on +44 (0)1243 621130 or email:
[email protected]. You will need your certificate number and treating physician’s details.
STEP 2
ASSESS YOUR CLAIM
CEGA will assess your claim and advise on cover available.
If you’re going to be admitted to a hospital as an inpatient, we can send a pre-approval letter to the medical facility where you'll be treated. This letter will confirm that your treatment will be covered by us, so that they can send us the bill directly.
Some hospitals prefer the bill for inpatient treatment to be paid before you leave. In this instance, you’ll need to pay for your treatment and send us the invoices and proof of payment so that we can reimburse you.
What happens after you submit your claim
Once you submit your claim, you will receive an email within 24 hours confirming that we have received it.
If you've submitted a claim for a consultation or treatment that you have already paid for, we will pay for the covered expenses directly into your chosen bank account.
We can settle claims in any currency that you choose, providing that such currency can be freely purchased by our bank. There are some currencies we are not able to make settlement in.
If you've submitted a claim to pay for your inpatient treatment, the hospital or a treating physician will send the medical bills directly to the Assistance Company, who will arrange for direct settlement with the hospital/provider of medical care.
HOW TO MAKE A CLAIM
Within EU
Outside of EU
HOW TO CLAIM BACK FOR YOUR MEDICAL EXPENSES
WHAT IS THE COST OF YOUR CLAIM?
If LESS than £500/$500/€500 you do not need to complete and submit a claim form.
STEP 1
SUBMIT YOUR INFORMATION
Email our claims team at [email protected]. You'll also need to include the following information:
Your name and date of birth
Policy number
Confirmation of medical symptoms/injury
Referral letter, if relevant
Itemised medical invoice
Itemised physician’s prescription
Proof of payment
Full bank account details for claims reimbursement
If MORE than £500/$500/€500 you will need to complete and submit a claim form.
STEP 1
COMPLETE THE CLAIM FORM
Your treating physician will need to complete part of the claim form, which you can find at the bottom of this page.
Email the form and supporting invoices and your full bank account details to [email protected]
STEP 2
ASSESS YOUR CLAIM
We will review your claim and pay for eligible costs within 5 working days directly into your bank account.
Easy Pay Card
This card is a new digital payment solution that enables you to pay for your pre-authorised medical care above £500/$500/€500, wherever you might be, without incurring any personal costs and seeking reimbursement.
HOW DOES IT WORK?
You can request the Easy Pay card by emailing [email protected] at least 3 working days before your pre-planned treatment.
You will need to include a medical report or letter from your treating doctor with a summary of the diagnosis/symptoms, recommended treatment or medical procedure, and documented evidence of the estimated costs.
WHAT HAPPENS NEXT
We will review your claim and once authorised,
immediately pre-load the card with the amount needed to pay for your treatment.
You will then receive an email with a link to create your account and access the card. You can add this card to your digital wallet on your mobile phone and use it like any other standard virtual payment card.
Once you have paid for your treatment, all you have to do is send your invoices to us, together with any other supporting documents, within 24 hours. You can upload your documents in your APRIL Easy Pay account.
