CareMed Travel Insurance Assistance

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How to submit a claim

CareMed offers our insureds the option to go to any Physician, therefore our insureds are not restricted on their policy to see one Physician over another.

In addition, in the USA, CareMed is associated to a provider Network (First Health) where we can recommend medical providers to an insured. Referral to the First Health Network can be obtained by calling the toll-free emergency number of the Assistance Center or here.

There are two Claim Centers that process claims for CareMed International Travel Insurance. The Claim Center that services you is based on the country you travel to.

Claim Center 1 Claim Center 2
If your travel destination is:
North and South America		 If your travel destination is:
Any other country excluding North and South America

CareMed Claims

CISI Claim Department
River Plaza
9 West Broad Street
Stamford, CT 06902-3788
USA

CareMed Claims

ACE European Group Limited
Direktion für Deutschland
Lurgiallee 10
60439 Frankfurt
Germany
Phone: + 1 - 203 - 399 - 54 13
Phone: + 1 - 866 - 404 - 2062 (toll-free) (press # 1)
Fax: + 1 - 203 - 399 - 55 96		 Phone: + 49 - 69 - 756 13 500
Fax: + 49 - 69 - 756 13 250
Karen Webb
E-mail: kwebb@culturalinsurance.com		 Stephanie Ehmer
E-mail: stephanie.ehmer@acegroup.com
Phone: + 49 - 69 - 756 13 169
Fax: + 49 - 69 - 756 13 4169
Hillary Greenberg
E-mail: hgreenberg@culturalinsurance.com		 Cornelia Bullmann
E-mail: cornelia.bullmann@acegroup.com
Phone: + 49 - 69 - 756 13 154
Fax: + 49 - 69 - 756 13 4154
  1. Within 60 days after incurring the first medical bill, mail or fax the following to the appropriate Claims Center:
    • claim form completed by the Insured.
    • all original itemized bills, receipts and records, related to a particular claim (please keep in mind to make copies for your own records).
    • medical reports from the Physician including any reports, laboratory and X-ray documents, etc. all in one envelope and send to the appropriate Claim Center above. The Insurer reserves the right to refuse payment if the reason and the necessity for the treatment can no longer be established as a result of the claim being filed late or incomplete.
  2. Call the CareMed Assist 24-hour number prior to being admitted to a hospital or before surgery.
  3. Present the CareMed ID-Card to every medical service provider prior to receiving treatment.
  4. The Physician or other medical services provider may contact the CareMed 24-hour number to obtain verification of benefits.
  5. Please complete the claim form for each claim event. Obtain additional claim forms from here, CareMed or the Claims Center. A photocopy of the blank form for future claims is acceptable.
  6. There may be instances where the Insured will be asked to provide payment to the Physician/Medical Facility prior to receiving medical care. If this situation occurs, we recommend the following steps:
    • Contact CareMed Assist and explain the situation. CareMed Assist will be able to confirm to the Physician/Medical Facility the Benefits, Terms and Conditions of the insurance and that you are eligible.
    • If applicable, CareMed Assist can provide the Physician/Medical Facility with a Letter Guarantee.
    • If the Physician/Medical Facility still requires the Insured to pay in advance, all the Insured needs to do is complete a CareMed claim form and submit the claim form with any and all applicable information.

In certain cases, the CareMed Assist may ask you to fill out a Release Form, as otherwise the hospital will not release any information on your medical situation. In order to help you, the Assistance Center would however need this information, so please be co-operative. You will find the release form here.

If you have questions about an existing claim contact the Claim Center.

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