Claim Process
Health Insurance
Medical Claims Made Simple
We understand that dealing with health concerns is stressful enough — filing your medical insurance claim shouldn’t be. Whether you’ve paid upfront and need reimbursement or prefer direct billing through your insurer, our goal is to ensure your medical claim process is clear, fast, and hassle-free.
Below is everything you need to know to submit your medical claims with confidence.
Reimbursement Process for Medical Claims
If you’ve paid for medical treatment and are seeking reimbursement:
- Step 1: Complete the Medical Reimbursement Claim Form
- Fill in all required details, including your medical diagnosis
- Ensure the form is signed and stamped by your treating doctor
- Step 2: Gather All Supporting Medical Documents
- Detailed, itemized invoices showing cost breakdown for each service
- Payment receipts for each invoice
- Prescriptions for all treatments, medications, or tests
- Copies of lab reports, radiology results, and pathology findings
- NOTE: Special Approval Requirements
- Physiotherapy: Requires prior approval along with a referral letter from your GP or Specialist, including treatment details and number of sessions
- Inpatient Treatment: Discharge summary is mandatory
- Emergency Treatment: Must be reported within 24 hours
- Elective Treatments: Pre-approval is required
- Step 3: Bank Details for Reimbursement
- Beneficiary Name
- Bank Name & Branch
- Account Number
- IBAN
- Step 4: Submit Your Medical Claim
- Submit within 60 days from the treatment start date
- Claims will be processed within 10-12 working days after submission of complete documents
Direct Billing Process for Medical Treatment
For cashless medical services at network clinics and hospitals:
- Step 1: Present your Emirates ID or Health Insurance Card at the provider’s reception
- Step 2: The provider will:
- Submit your consultation, diagnostic test, or treatment request to the insurer for approval
- Step 3: Approval Timeframe
- Approval for outpatient services typically takes 60 minutes to 2 hours, provided all documents and medical justifications are submitted
Note:
Lab tests, medications, and certain medical treatments require valid medical justification from your doctor for insurer approval
Need Assistance with Your Medical Claim?
If you face delays or require support, share your Request Reference Number with us. Our team will follow up directly with the insurer to resolve the issue.