Claims

Claims, claims, claims! It’s the topic we are asked about the most. We put together this page to help answer all your questions. If you still have a question, you know what to do! (Contact us of course!)

When to submit a claim

Did you pay out-of-pocket for a covered expense? If so, submit a claim for reimbursement. Read step-by-step instructions here.  

Submitting a claim?

Submit your claim on eBenefits or the mobile app for the easiest experience. You can also download a Claim form and submit it (but we really encourage you to use the website!).

Claim form

If you need a Claim form, you can download it from our Knowledge Center.

Download now >

Claim Tips

Claims turnaround time 

The standard turnaround time for processing a claim that has all required documentation is 10 business days. If additional information is needed to process your claim, we will reach out to you. If we cannot reach you, your claim will be denied and you can resubmit with any missing or required information. Please note that it may take additional time for funds to appear in your account, particularly if international banking is involved.

Was my claim paid yet?

You will receive an email once your claim has been processed. Check eBenefits to find the details of how your claim was processed (please note that we cannot send claims details in emails due to privacy concerns). Processed claims will appear on the eBenefits home page under the “Processed Claims” section.

Your claim number can be identified by looking at the date of service and billed amount.

If reimbursement is owed to you, it will be issued to the bank account on file. Please note that it will take additional time for funds to appear in your account, particularly if international banking is involved.

If you have a question about your claim, please contact Customer Service. You can reference your confirmation email you received when submitting your claim, including the reference number, so that we can find your claim quickly.

Claim form tips

If you fill out a Claim form rather than submitting your claim online:

  • Fill it out completely and be specific about your diagnosis or reason for treatment.
  • Remember to include your Policy Number (found on your ID card).
  • Clearly state how you would like to be reimbursed.
  • Sign and date the form.
  • Keep a copy of your forms and receipts for your records.
  • Please do not send your original receipts.