How to File a Medical Insurance Claim

Direct Settlement with the MediLink Smart Card

Through the MediLink smart card and MediLink's Direct Settlement Network, Global Expatriate Healthcare is pleased to be able to offer our members access to an extensive and efficient network of quality healthcare providers (hospitals) who can offer the convenience of direct settlement for outpatient and dental care services.

A list of the healthcare providers which are affiliated to the Direct Settlement Network is contained in your Membership Pack, or is available on our web site. The list will be updated from time to time as the network is enhanced.

You will see that the MediLink Global logo is printed on your membership card, and the magnetic strip on the reverse enables verification and direct settlement of the eligible charges for your treatment to be processed electronically at participating providers.

Should you elect to use a provider (hospital) that is not part of the MediLink Direct Settlement Network, your charges will not be processed electronically, but your membership card will still be accepted, the provider will phone our helpline to arrange direct settlement of bills that are likely to exceed US$500.00.

For Outpatient treatment, again present your membership card and any eligible charges for outpatient treatment you receive at the affiliated healthcare providers will be billed directly to your insurance plan, subject to the terms, conditions, limits and exclusions of your policy.

Please note that pre-authorisation is required for any charges which will exceed US$ 500.00, and that you will be responsible for paying any deductible, coinsurance, ineligible or excess charges which are not covered under your Plan.

Direct Settlement with the MediLink Smart Card

Step 1 – Select a Participating Healthcare Provider

Consult the list in your Membership Pack, or contact our International toll free Help Line +86 400 680 8196.
Contact the direct settlement provider (hospital) to make an appointment.

Step 2- Eligibility Verification

When you visit the hospital, please present your Membership Card along with your photo ID (ID cards, passports) at the front desk.
Hospitals who can accept the MediLink-Global electronic health card will swipe the Membership Card through a dedicated Point-of-Sale device and print out an Eligibility Verification slip.

Step 3 – Complete a Claim Form

Depending on the hospital's procedures they may ask you to complete and sign a claim or treatment form, which they will submit to us with their invoice.

Step 4 - See the Doctor

Please ask your doctor to fill in the medical information on the claim or treatment form, and confirm with his/her signature.

Step 5 – Benefit Verification

The hospital will verify your benefits.
Hospitals that accept the MediLink-Global health card will register your treatment details electronically to facilitate online real time validation of your treatment. Following validation a claim confirmation slip will be automatically printed. Please read the slip carefully and sign it once you have confirmed all the contents.
You should directly settle any charges not covered by the Global Expatriate Healthcare Plan.

Step 6 – Discharge

The hospital will submit their invoice to us for all eligible charges. If there are any amounts which are not eligible under your insurance, you will be responsible for paying this yourself directly to the hospital.
If for any reason the swipe card system is unavailable or is not functioning, the front desk staff at the provider will be able to contact MediLink-Global to do an off-line manual transaction for you in accordance with above steps.
The providers' benefit verification is a preliminary assessment of your coverage. In the event of any miscalculation you remain responsible for any ineligible charges which may be determined in the final assessment of your claim upon receipt of the invoice from the provider.
If your treatment is not covered by your Plan or if coverage is temporarily unable to be confirmed, direct settlement may be declined. In this case, you may still proceed with treatment at your own expense, and if you feel that the treatment should be covered by your Plan, you can submit a claim for reimbursement with the required supporting documentation. Alternatively call our Help Line +86 400 680 8196.

To File a Paper Claim

If the hospital providing your treatment is not electronically linked to accept the MediLink-Global health card and if your treatment is less than USD 500.00, then you will need to complete a paper claim form and submit this directly to our insurer, Lamp, with supporting documents (see Steps 4 and 6 above). Details of where to send your claim appear on the Claim Form.
Download a claim form

If the hospital providing your treatment is not electronically linked to accept the MediLink-Global health card and your treatment is estimated to be over USD500.00, then the Help Line (+86 400 680 8196) will make arrangements to pay your bill directly, as described in Steps 1-6 above. The authorisation of your treatment will be through the telephone Help Line rather than the swipe card. The Help Line number is on the reverse of your card.