You choose the doctor/clinic by yourself (you’re completely free to choose your favorite doctors near you) pay all the expenses upfront, and keep the invoices and medical reports (the documents must include information about the diagnosis, treatment, period of treatment, and cost). After, you can access our Member Center under “Compensation” and follow the instructions to submit a claim for the payment of your medical costs directly to your bank account. Remember, if you have insurance with a deductible the same will be deducted from the total amount of your bills.

If you need help finding a doctor at your location or prefer a telemedicine consultation instead of an in-person consultation, we recommend using the Air Doctor app. Air Doctor will allow you to find local doctors in almost all countries worldwide to schedule outpatient visits and follow-up examinations and treatment for many different specialties, not only general practitioners. You can also book telemedicine consultations in multiple languages and get prescriptions from local doctors online. The same procedure applies, you pay the invoice first and then file a claim for reimbursement.

Non-emergency outpatient examinations or procedures with a cost of 2.000€ or more should be pre-approved by the insurer at least 5 days in advance.

Emergency outpatient procedures, meaning any time-sensitive procedures where you had no chance of contacting the insurer at least 5 days in advance can still be covered without any upfront approval.

Inpatient procedures should be always informed to the emergency assistance line (MCI) as soon as possible so they can organize the direct billing with the hospital, either they cost more or less than 2.000€.