Claims Process
If you experience a covered surgical complication, our claims team guides you from first notification to final payment. This page explains each step clearly so you know what to prepare and what to expect.
New visitor? Start from our main insurance page for pricing and policy context.
How to File a Claim
Notify Us Immediately
Contact us as soon as the complication is identified. For urgent care, seek medical treatment first and then notify us by WhatsApp, phone, or email.
Submit Required Documents
Share diagnosis, treatment notes, invoices, and policy details. We help you organize missing files so review can start without delays.
Medical & Policy Assessment
Our claims specialists and medical reviewers validate eligibility under your policy terms, limits, and exclusions.
Decision and Payment
If approved, payment is made directly to the provider or reimbursed to you according to policy conditions and documentation.
Required Documents
Prepare these documents early to speed up your claim review.
Expected Review Timeline
Assessment & Payout Flow
Every claim follows the same transparent flow:
What Is and Is Not Covered
Usually Covered (subject to policy terms)
- • Unexpected medical complications within policy scope
- • Medically necessary follow-up treatment related to covered complications
- • Approved costs up to your plan limit
Usually Not Covered
- • Pre-existing conditions and events before policy start date
- • Planned/elective revisions outside policy coverage
- • Costs outside limits, exclusions, or unsupported documentation
Support Channels
You can reach our multilingual claims support team 24/7:
- WhatsApp support for fast updates
- Phone support for urgent situations
- Email support for document sharing and written tracking
Claims FAQ
What if my claim is denied?
You receive a written reason. You can submit additional documents and request an appeal within the policy timeframe.
Do I need pre-approval before treatment?
For planned interventions, pre-approval is recommended. For emergencies, seek immediate care and notify us as soon as possible.
How much can be paid?
Payment depends on your selected plan and policy limit. Check your policy and plans page for limit details.
Before You Submit
Review key pages to avoid missing details and improve approval speed:
Contact Our Claims Team
24/7 support in Turkish, English, and German