Your policy probably works here.
Whether your insurer pays the hospital directly (cashless) or reimburses you after discharge depends on the policy and destination. We confirm which applies to your case before you fly — so the surprise doesn't come at the billing desk.
What we handle, end-to-end.
Pre-authorization
We coordinate with your insurer before admission — pre-auth letters, medical necessity justification, cost estimates.
Claim-ready docs
Ankara zenye maelezo, muhtasari wa kuruhusiwa, ripoti ya upasuaji na matokeo ya vipimo kwa Kiingereza, kwa muundo ambao bima huomba kwa kawaida.
Dedicated manager
One named person from admission to settlement. They follow up with your insurer on reimbursement delays.
Cashless eligibility depends on policy + destination · We confirm before admission
How insurance for medical travel actually works
- Verify your existing coverage
Most domestic insurance excludes elective international procedures. Some international policies (Cigna Global, Allianz Care, AXA, Bupa Global) reimburse at JCI hospitals. Confirm pre-authorization requirements.
- Pre-authorization (if applicable)
If your insurer covers any portion, pre-auth is typically required. We handle the documentation: clinical justification, hospital quotes, expected outcome data.
- Direct-billing vs reimbursement
Baadhi ya bima hulipa hospitali moja kwa moja; kesi nyingi za kimataifa ni za kurejeshewa — unalipa kwanza, kisha unadai. Inategemea bima yako na hospitali.
- Documentation for claims
Itemized invoices with diagnosis (ICD-10) and procedure (CPT) codes, discharge summary, operative note, pathology. Translation may be required.
- Travel insurance separately
Standard travel insurance covers emergency medical events during your trip — not the planned procedure. Worth carrying for unrelated emergencies (which can happen).
Don't plan international travel based primarily on insurance reimbursement. The cost savings vs domestic care are usually large enough that the trip makes sense without insurance — any reimbursement is a bonus.
The realistic insurance landscape
UK patients
NHS doesn't cover elective international. Private UK insurance typically excludes — some policies have global cover with strict pre-auth.
EU patients
Cross-Border Healthcare Directive provides reimbursement at home-country rates within EU. Outside-EU travel (Turkey, India) typically not covered.
What insurance never covers
Cosmetic-only procedures, fertility (sometimes excluded), travel costs, accommodation. Verify exclusions before relying on coverage.
Insurance questions, answered
Can I use my international insurance at Medcasts partner hospitals?
Mara nyingi ndiyo — inategemea bima yako na hospitali. Baadhi ya bima hulipa hospitali moja kwa moja, nyingine hukurudishia fedha baadaye. Tutumie maelezo ya bima yako; tutathibitisha na hospitali na kusaidia na nyaraka za idhini ya awali.
What if my policy requires reimbursement rather than cashless?
Unalipa hospitali kisha unadai urejeshewe. Tunahakikisha unaondoka na nyaraka zinazohitajika kwa kawaida: ankara yenye maelezo, muhtasari wa kuruhusiwa, ripoti ya upasuaji na vipimo kwa Kiingereza.
What isn't covered by standard international policies?
Cosmetic procedures, fertility treatment, and experimental therapies are usually out-of-pocket. Dental is covered only with dental add-ons. We flag these upfront in your quote.
Plan around what's reimbursable
The pages below help you estimate out-of-pocket cost where insurance falls short — by procedure, by destination, or by hospital.
Kikokotoo cha gharama
Kadiria gharama ya upasuaji kwa kila nchi kabla ya kuzungumza na bima yako.
Fahirisi ya bei
Linganisha bei zinazotolewa na hospitali kwa matibabu ya kawaida katika nchi mbalimbali.
Linganisha nchi
Gharama, usafiri na viza kwa kila nchi, bega kwa bega.
Maoni ya pili
Mwache daktari bingwa apitie mpango wako kabla hujalipa kwa mfuko wako.
Huna uhakika bima yako inalipia nini?
Tueleze bima yako na maelezo ya sera. Tunaangalia kinachohusu matibabu yako kabla ya safari, bure.