What is my policy?
The Insured should have a clear understanding of the Policy/ plan of cover and the benefits included prior to submitting a claim.
When treatments are taken outside the designated QLM Network Provider or when the insured has paid all expenses in full at the service provider, the claim should be submitted to QLM via any of the following routes:
Documents needed for submission:
When filing a claim,please provide all relevant documents including but not limited to the following –
All claims must be submitted within 30 days from the date of service wherein the above mentioned documents are appropriately filled. The insured shall be reimbursed subject to the insured’s policy plan, terms and conditions.
The insured shall be liable for any deductible / co-payment / co-insurance and / or excess that is mentioned in the Benefits of your Policy.
Failure to fully substantiate your claim will result in delayed processing and settlement or may invalidate your claim.
Compassionate Visit Claim Reimbursement
The insured may submit the following but not limited to documents to claim for Air Fare Reimbursement –
Reimbursement Settlement Mode
Reimbursement claims are settled in the following modes:
We have arranged a direct settlement network with certain Medical Providers in certain countries where you can receive treatment for eligible medical conditions on a direct billing basis. Please note you will still be responsible for payment of any co-Insurance or Excess at the time of your appointment.