Claims Frequently Asked Questions

Where do I submit my claims?

  • Claims can be submitted by mail, email or fax to:

Global Claims Administration
3195 Linwood Avenue, Suite 201
Cincinnati, OH 45208

Claims@globalunderwriters.com

*All attachments sent to the claims email must be in PDF format.

FAX: 513-533-9416

Is the Coronavirus (COVID-19) covered?

  • The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy. There is no trip cancellation coverage and Trip Interruption does not cover anything related to covid-19.

How do I file a claim if I was treated INSIDE the United States?

  • Present your insurance information to the provider at the time of service, therefore the provider is able to bill Global Claims Administration directly.
  • Download and submit a claim form with your most current mailing address in case Global Claims Administration LLC needs to contact you in writing for additional information.
  • If you have paid for services yourself, please attach copies of all receipts of proof of payment and a complete itemized bill to the completed claim form.
  • Please be sure to retain copies of all your receipts for your records.
  • The second page of the Accident/Sickness claim form also outlines how to file a claim in detail.

How do I file a claim if I was treated OUTSIDE the United States?

  • Complete a claim form with your most current mailing address in case GCA needs to contact you in writing for additional information.
  • Attach and send in all original receipts of proof of payment, the foreign medical invoice and medical information that was provided to you from the foreign provider.
  • Be sure to keep copies of all your receipts for your records.
  • The second page of the Accident/Sickness claim form also outlines how to file a claim in detail.

I received something that says “THIS IS NOT A BILL”. What is this?

  • This is an Explanation of Benefits (EOB). After Global Claims has completed the processing of a claim, we send an EOB to the patient and the provider informing both parties as to how the claim was completed.

I received an EOB that says “DUPLICATE” and it was denied. Why?

  • “DUPLICATE” means the provider filed the claim twice and we aren’t going to pay the same bill twice.

What is the time frame for getting my claim completed?

  • A claim will usually be processed within a 30-day turnaround time; meaning that once we have all the necessary information we’ll process your claim according to your policy’s plan provisions.

Can you guarantee payment over the phone?

  • No

How do I appeal my claim?

  • Claims must be appealed in writing. You must submit all the necessary medical information and a letter stating your grievance. We’ll respond within 30-days after receiving the complaint with our final determination.

Can I extend my coverage dates?

  • Yes, only if your policy has not gone into effect. Once the policy is in effect, a new policy will need to be purchased.

Where can I go for treatment if I incur an accident or illness?

  • Your policy doesn’t stipulate specific providers or facilities. You can go to any provider, urgent care or emergency room (life threatening). Please provide a copy of your insurance card (schedule of insurance) at the time of service.