We give below the procedure at AG Employee Benefits, but other insurers use a similar approach.
If you learn that you are suffering from a serious illness, you would be advised to take time to let things settle.
- Application and activation
Once you are over your initial emotions, you should start the application process as soon as possible to activate the Critical illnesses cover. This is done in writing using the claim form or online. To accelerate the activation process, you should provide the AG Employee Benefits advising physician with a medical report drawn up by your general practitioner containing the diagnosis and planned treatment of your illness. The claim form and the medical report can be sent together by post or email. The Critical illnesses guarantee will be activated as long as you are in treatment.
- (One-day) hospitalisation
Where the treatment of your critical illness calls for hospitalisation (e.g. chemotherapy or dialysis), you can report this in advance online, by telephone or in writing. You will find a detailed explanation here.
- End of the cover
The insurance cover ends when the medical report shows that you are cured and there are no more signs of the illness.
If the illness returns after a time, the Critical illnesses cover can be reactivated. In that case, the above procedure is repeated.
How do you request the reimbursement of your medical expenses?
You can collect all medical expenses (invoices, certificates,...) in connection with your critical illness and submit them for reimbursement. These can be hospital bills, but also the purchase of medicines or a treatment by a specialist. For a smooth handling of your file, the best thing is to gather your invoices and receipts and submit them 2 times a year. In this way you are reimbursed quickly and you keep track of the costs submitted.
Tip: you can ask your sickness fund for a list of the medical costs you have incurred both online and at their branch office.