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Frequently Asked Questions
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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)H health/accident insurance I Indemnity in case of accident T Travel assistance L Luggage insurance 3 Third party liability Z1 Destination USA & Canada Z2 Destination worldwide except USA & Canada L Long-term S Short-term G Gold, unlimited benefits S Silver, €/US$ 250.000 benefits B Bronze, €/US$ 50.000 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)
- USA & Canada
- Long-term
- unlimited benefits
- Without deductible
- Health and Accident Insurance
- USA & Canada
- Long-term
- unlimited benefits
- US$ 50 deductible
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Question
What does "deductible" mean? -
Answer
If you have a policy with a deductible, you have to pay 50/100/250 US$ / € for each treatment yourself. This amount will not be reimbursed by the insurer. -
Question
What shall I do if my Insurance ID-card got lost or stolen? -
Answer
Please contact your exchange organization or the CareMed Sales office. You will receive a new card. -
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 ORIGINAL bill together with a claim form and a copy of your insurance ID-card to the assistance center and indicate your address or your bank account for reimbursement. -
Question
How long does it take to get my money back? -
Answer
If you follow the instructions indicated in the CareMed policy booklet and on this web-site, reimbursement shall not take longer than 2 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 by indicating your home address for reimbursement. -
Question
Am I insured while travelling to another country? -
Answer
If you have a Z1 policy (e.g. HAITL3Z1LGA), you will be covered in the USA & Canada apart from 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 is a 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
Coverage while working depends on the visa you have obtained for your stay abroad. If you are on a Work & Travel Program under a H2B Visa, you are covered for your job. However, if you have a J-Visa or a Tourist-Visa, you are not allowed to work and will not be covered under CareMed insurance. Please check this with your exchange organization or your travel agency. -
Question
I want to stay longer than foreseen. Can I extend my insurance? -
Answer
Original insurance contracts are not extended; however, the Insured 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.