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Overview | Out-Patient Procedure | In-Patient Procedure | Outreach Procedure | Claim Forms

Our Medical Helpline is available 24 hours a day, 365 days a year and is staffed by multi-lingual operators, who can arrange admission to hospital, ambulance transfers and air evacuation where necessary. To obtain medical assistance use the Medical Helpline number shown on your Schedule of Cover. You will need to provide your name, certificate number, telephone number (that we can contact you on), location and medical problem.


In any given situation, if you are unsure of what to do, please contact the Medical Helpline

Planned In-Patient and Day-Patient Treatment

In the event of a planned admission as an in-patient or day patient or for MRI/CT scans, the following steps should be taken. Payment of all expenses incurred by you cannot be guaranteed unless you follow these procedures:

Contact our Medical Helpline at least five (5) days prior to admission, giving full details of the medical condition, proposed treatment (including dates and name of procedure if known) together with the name of the specialist and hospital details. (The Medical Helpline telephone numbers are provided on your Schedule of Cover).

The Medical Helpline will advise you if they have sufficient information to confirm your cover. If not, they will advise you what further information is required.


Once all information has been considered

the Medical Helpline will verbally confirm your cover and will dispatch written confirmation to you.

The Medical Helpline will make arrangements with the hospital for all eligible bills to be settled directly (direct billing) where possible.

If direct billing has not been arranged, you should pay all of the bills and send the copies of the originals together with your claim form to the claims administrator who will reimburse you accordingly. It is advisable to submit your claim via email.
Emergency Admission

In the event of emergency admission, you or someone on your behalf, should contact the Medical Helpline as soon as possible after admission and follow the steps described above.
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Please do not delay obtaining Emergency Treatment


Out-Patient Treatment

If you receive treatment as an out-patient, you should pay for this yourself and then claim back your medical expenses. Claim forms can be downloaded here or obtained from the claims administrator. If, however, you feel that the cost of treatment is likely to exceed US$1,000, you may contact the Medical Helpline for pre-authorisation and for them to arrange direct settlement of the costs where this is possible.

All claim forms for medical treatment should be sent to claims@talent-trust.com.


Non Medical Claims

If you need to make any other claim against your policy please contact the Medical Helpline for assistance or download a travel claim form here.

All claim forms should be sent to claims@talent-trust.com.


Important: Treatment received in the USA

All services and treatment must be pre-approved by our Medical Helpline and received at an approved preferred provider network facility. To obtain a list of approved PPO network providers contact the claims administrator or view the approved listing on our Network page.

To obtain pre-approval please contact the Medical Helpline:

USA : +1 877 248 2197


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General Claims Information

We reserve the right to reject any claim, which is not submitted within ninety (90) days or where any delay has prejudiced underwriting interests.

All documents or materials (including but not limited to original accounts, certificates and x-rays) that we require to support a claim, an application for cover or change in cover shall be provided without expense to us (including if requested by us a medical report from the insured person's medical practitioner or specialist and details of the insured person's medical history prior to any claim). In cases where medical information is required by us for consideration of a claim, but it is not available, it is the responsibility of the insured person to obtain such information from their current or previous medical practitioner as appropriate.

Claims may only be made for treatment actually given during a period of cover and benefit will be available only for expenditure incurred prior to expiry or termination of such cover.

An insured person must, without delay, give us written notification of any claim or right of action against any party arising out of any circumstances, which gave rise to the claim under this certificate and must continue to keep us fully informed in writing and take all steps we reasonably require in making a claim upon that other party, to the extent permissible under the laws of your country of residence.

We shall be entitled to take legal action in any insured person's name for our own benefit any claim for indemnity or damages or otherwise, which relates to any benefits and costs paid or payable under this certificate. We shall have full discretion in the conduct of any such proceedings and in the settlement of any such claim. It is your responsibility to advise us of any other insurance polices in effect and notify us of any other claims / legal action made relating to any medical claim under this insurance contract.
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Complaints

Our aim is at all times to provide a first-class standard of service. However, there may be occasions when you feel that this objective has not been achieved. Should you have any complaint please contact us at info@talent-trust.com
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