International Patients and Insurance

International Insurance Companies Travel Medical Assistance

International Insurance Arrangements

For international patients, we have contracts with some major insurance companies that allow us to submit claims directly to the insurance company. Others may require that you pay the claim directly at the time of service and seek reimbursement from the insurance company when you return home.

International insurance can fall into one of several categories:

  • Insurance for intended medical treatment
  • Insurance for medical emergencies while traveling
  • Insurance for routine or minor medical situations while traveling
  • Special corporate arrangements with CIMA Hospital

Most people either rely on their primary health insurance or purchase trip-related accident and medical insurance. Whether you are traveling to obtain medical care or for pleasure, we encourage international travelers to contact your insurance company before you travel abroad to learn what conditions may apply.

In many cases, your primary insurance may only cover medical expenses outside your home country when you have an accident or have an unforeseen medical emergency. They often do not cover minor medical situations.  Other insurance plans, as noted above, require that you pay the bill to the hospital or provider and then seek reimbursement from the insurance company. In a medical emergency, these bills can grow quite large very quickly. Some insurance companies, particularly travel assistance companies and insurers, will offer a guarantee of payment to the hospital. This will help minimize the amount you have to pay immediately, but there can still be amounts you will need to pay before leaving the hospital.

Remember too, that your insurance company may have a deductible, co-payment or other amount that you are required to pay as part of receiving medical care. You may also have limitations on payment for certain kinds of services or out of network provisions that apply. Because we are outside of your home region as an international patient, it is difficult to know what those amounts are, so you may be required to pay an estimated amount that is greater than the actual amount for which your insurance company may ultimately decide you are responsible. You can work with your insurance company to be reimbursed for them under the terms of your insurance coverage; however, we ask that you understand those arrangements are outside our control.

 

Direct Employer/Company Contracts

We also have direct contracts with a growing number of companies based in the United States that enable their employees to receive medical care at Hospital CIMA and will pay the hospital directly for you. These arrangements are often simpler, more transparent and less expensive for you and your employer. For specific information, contact your employer or Hospital CIMA’s International Patient Office. For information about starting a direct contract, please contact us at [insert email address].

International Insurance Companies

The table below shows some of the companies with which we work, but your specific terms and conditions may create a different situation. We recommend that you contact us to determine what type of arrangement exists between with your particular insurance company and the hospital.

Company

Country

Type of Relationship

(Direct Bill/Pay and Seek Reimbursement)

AETNA (USA Domestic Plans)

USA

Pay and Seek Reimbursement

AETNA GLOBAL BENEFITS

USA

Direct Bill

AETNA INTERNATIONAL

USA

Direct Bill

AGEAS INSURANCE LTD

ING

Pay and Seek Reimbursement

BARMENIA HEALTH INSURANCE

Germany

Pay and Seek Reimbursement

BDAE HOLDING GmbH

Germany

Direct Bill

BEST DOCTORS

USA

Direct Bill

BLUE CROSS BLUE SHIELD

USA

Pay and Seek Reimbursement (Most plans)

CIGNA INTERNATIONAL

USA

Direct Bill

CIGNA US

USA

Pay and Seek Reimbursement

CLAL HEALTH INSURANCE COMPANY LTD

Israel

Pay and Seek Reimbursement

HAREL

Israel

Pay and Seek Reimbursement

HEALTH CARE INTERNATIONAL

UK

Direct Bill

METLIFE EXPATRIATE BENEFITS

USA

Direct Bill

US VETERANS AFFAIRS FOREIGN MEDICAL PROGRAM (FMP)

USA

Direct Bill

VETERANS AFFAIRS OF CANADA

Canada

Pay and Seek Reimbursement


Some insurance companies have establish relationships with travel medical assistance companies. These companies provide services on behalf of your insurance company for you when something happens while you are traveling. Some of these companies also provide independent trip-related insurance for medical and related needs. In many cases, we are able to work with your travel medical assistance company on a direct basis to help manage the expenses associated with an unexpected hospital admission. Please let us know as soon as possible that you have benefits through a company that provides these benefits and services, so that we can determine the right arrangement for your situation.

Travel Medical Assistance Companies

The table below shows some of the travel medical assistance companies with which we work. It is not intended to be a complete list, and we are consistently updating it.  Consequently, the list is a guide but may not cover all companies or situations.

Company

Country

Type of Relationship

(Direct Bill/Pay and Seek Reimbursement)

ACTIVE CARE MANAGEMENT

Canada

Direct Bill

ADAC

Germany

Direct Bill

ALLIANZ GLOBAL ASSISTANCE CA

Canada

Direct Bill

ALLIANZ GLOBAL ASSISTANCE USA

USA

Direct Bill

ALLIANZ WORLDWIDE CARE

Ireland

Direct Bill

ALMEDA

HO

Pay and Seek Reimbursement

AMERICAN ASSIST TRAVEL PROTECTION

USA

Pay and Seek Reimbursement

ANWB ALARM CENTRALE

HO

Direct Bill

AP COMPANIES

USA

Pay and Seek Reimbursement

APRIL USA

USA

Pay and Seek Reimbursement

ASSISTANCE SERVICES OF THE AMERICAS, INC

Mexico

Direct Bill

ASSURED ASSISTANCE

Canada

Direct Bill

ATLAS EXPATRIATE BENEFITS

USA

Pay and Seek Reimbursement

AXA ASSISTANCE CANADA

Canada

Direct Bill

AXA ASSISTANCE COLUMBIA

Columbia

Pay and Seek Reimbursement

AXA ASSISTANCE GERMANY

Germany

Direct Bill

AXA ASSISTANCE ITALY S.A.

Italy

Direct Bill

AXA ASSISTANCE MEXICO S.A. de C.V.

Mexico

Pay and Seek Reimbursement

AXA ASSISTANCE USA

USA

Direct Bill

AXA TRAQVEL INSURANCE CIPT

UK

Pay and Seek Reimbursement

CANASSISTANCE

Canada

Direct Bill

CEGA

UK

Direct Bill

CLICK TRAVEL PROTECTION (IATAI)

USA

Pay and Seek Reimbursement

CMN

Canada

Direct Bill

COMPAÑIA EUROPEA DE SEGUROS

Spain

Direct Bill

CORIS

USA

Pay and Seek Reimbursement

CULTURAL INSURANCE SERVICES INTERNATIONAL

USA

Direct Bill

DAVID SHIELD

Israel

Direct Bill

DEUTSCHE ASSISTANCE SERVICE GmbH

Germany

Direct Bill

DEUTSCHER RING

Germany

Direct Bill

DIE CONTINENTALE

Germany

Direct Bill

DKV (GLOBALITY HEALTH)

Germany

Direct Bill

EGK ASSISTANCE

HO

Direct Bill

EMERGENCY CORPORATION INTERNATIONAL

USA

Pay and Seek Reimbursement

EMERGENCY ASSISTANCE FACILITIES UK

UK

Pay and Seek Reimbursement

EMERGENCY ASSISTANCE JAPAN-H.S. INSURANCE CO., LTD

USA

Pay and Seek Reimbursement

EURO CENTER S.A.

Brazil

Direct Bill

EUROCROSS ASSISTANCE

HO

Direct Bill

EUROP ASSISTANCE ALEMANIE

Germany

Direct Bill

EUROPE ASSISTANCE ARGENTINA

Argentina

Direct Bill

EUROPE ASSISTACE C.R.

Costa Rica

Direct Bill

EUROP ASSISTANCE ESPAÑA

Spain

Direct Bill

EUROP ASSISTANCE RUSSIA

Russia

Direct Bill

EUROP ASSISTANCE USA

USA

Direct Bill

FALCK ASSISTANCE

Denmark

Direct Bill

FD SERVICE S.p.A.

Italy

Direct Bill

FIRST ASSIST

UK

Pay and Seek Reimbursement

FRONTIER MEDEX (Now United Healthcare Global SafeTrip)

USA

Direct Bill

FZOG CURACAO

Curacao

Pay and Seek Reimbursement

GENERALI INTERNACIONAL

Guatemala

Direct Bill

GEO BLUE 

USA

Direct Bill

GLOBAL ASSURANCE GROUP

USA

Direct Bill

GLOBAL BENEFITS GROUP

USA

Direct Bill

GLOBAL EXCEL MGMT INC

Canada

Direct Bill

GLOBAL MEDICAL MANAGEMENT INC.

USA

Direct Bill

GLOBAL RESPONSE

UK

Pay and Seek Reimbursement

GOUDA TRAVEL INSURANCE

Denmark

Direct Bill

GRUPPO FILO DIRETTO

Italy

Direct Bill

HALLESCHE

Holland

Direct Bill

HEALIX INTERNATIONAL

UK

Direct Bill

HEALTH SMART (HARBIN CLINIC)

USA

Pay and Seek Reimbursement

HEALTHWATCH S.A.

Greece

Pay and Seek Reimbursement

HENNER-GMC

France

Direct Bill

HTH WORLDWIDE INSURANCE SERVICE (GEO BLUE)

USA

Direct Bill

INTANA GLOBAL

England

Direct Bill

INTER PARTNER ASSISTANCE, S.A.

Spain

Pay and Seek Reimbursement

INTERMUTUELLES ASSISTANCE

France

Direct Bill

INTERNATIONAL DIVING ASSURANCE LTD – DAN EUROPE

Malta

Pay and Seek Reimbursement

INTERNATIONAL MEDICAL ASSISTANCE (IMA)

Israel

Pay and Seek Reimbursement

INTERNATIONAL MEDICAL GROUP (IMG)

USA

Direct Bill

INTERNATIONAL SOS

USA

Direct Bill

INTREPID ASSISTANCE

Canada

Pay and Seek Reimbursement

ISFAS Instituto Social de las Fuerzas Armadas

Spain

Pay and Seek Reimbursement

KEY INSURANCE

UK

Pay and Seek Reimbursement

LATIN AMERICA ASSISTANCE

USA

Pay and Seek Reimbursement

LLT CONSULTING WEAVILITY

France

Direct Bill

MAPFRE ASSISTANCE

France

Direct Bill

MAPFRE ASSISTANCE IRELAND

Ireland

Direct Bill

MD ABROAD

USA

Pay and Seek Reimbursement

MD MEDICUS ASSISTANCE SERVICE GmbH

South Africa

Direct Bill

MEDAIRE

USA

Direct Bill

MEDBRICK

Canada

Direct Bill

MEDCARE INTERNATIONAL, INC

USA

Pay and Seek Reimbursement

MEDGATE

Switzerland

Pay and Seek Reimbursement

MEDIC AIR INTERNATIONAL

France

Direct Bill

MEDICALL AG

Switzerland

Pay and Seek Reimbursement

MEDICOS Y AUDITORES S.A.S.

Columbia

Pay and Seek Reimbursement

MEDIPAC  ASSIST

UK

Pay and Seek Reimbursement

MONDIAL ASSISTANCE, S.R.O

South Africa

Direct Bill

MORGAN WHITE

USA

Direct Bill

MOS MEDICAL HELPLINE GmbH

South Africa

Pay and Seek Reimbursement

MSH INTERNATIONAL

USA

Direct Bill

MUTAS

Belgium

Direct Bill

MUTUAIDE ASSISTANCE

France

Pay and Seek Reimbursement

NET SERVICES TRAVEL ASSISTANCE SLNE

Spain

Pay and Seek Reimbursement

NORDIC HEALTHCARE

Denmark

Pay and Seek Reimbursement

NORFOLK MOBILITY BENEFITS

USA

Pay and Seek Reimbursement

NORTHCOTT GLOBAL SOLUTIONS

UK

Direct Bill

NORTHERN LIGHT

USA

Pay and Seek Reimbursement

OHRA

Holland

Pay and Seek Reimbursement

OLYMPUS

USA

Direct Bill

ON CALL INTERNATIONAL

USA

Pay and Seek Reimbursement

ONE WORLD ASSIST

USA

Pay and Seek Reimbursement

OPTIMUN GLOBAL

UK

Direct Bill

PA GROUP ADMINISTRATION

USA

Direct Bill

PANAMA ASISTENCIA S.A.

Panama

Pay and Seek Reimbursement

PAN AMERICAN MEXICO COMPAÑIA DE SEGUROS S.A DE C.V

Mexico

Pay and Seek Reimbursement

PAYER FUSION

USA

Pay and Seek Reimbursement

PERIDOT GLOBAL

USA

Pay and Seek Reimbursement

PROFESSIONAL CLAIMS ADMINISTRATORS INC

USA

Pay and Seek Reimbursement

PRONTO ASSISTANCE SERVIZI

Italy

Pay and Seek Reimbursement

QUALITY HEALTH MANAGEMENT

USA

Direct Bill

QUALITY TRAVEL ASSISTANCE

USA

Direct Bill

RACC Serveis Medics, S.A. NIF: A60705910

Spain

Direct Bill

ROLLAND ASSISTANCE GmbH

South Africa

Direct Bill

SEGUROS DE OCCIDENTE

Guatemala

Direct Bill

SEGUROS G&T GUATEMALA

Guatemala

Direct Bill

SEVEN CORNERS

USA

Direct Bill

SIGMA ASSISTEL

Canada

Direct Bill

SOMPO JAPAN INSURANCE INC.

Japan

Pay and Seek Reimbursement

SOS DINAMARCA

Denmark

Direct Bill

SOS INTERNATIONAL AMSTERDAM

Holland

Direct Bill

SOS SEGUROS Y REASEGUROS S.A.

Spain

Direct Bill

SPECIALTY ASSIST

UK

Direct Bill

SUNMED INTERNATIONAL

USA

Direct Bill

TIC TRAVEL INSURANCE

Canada

Pay and Seek Reimbursement

TMCA GROUP CORP

USA

Direct Bill

TOURING CLUB SUIZO

Switzerland

Pay and Seek Reimbursement

TRAVEL AND MEDICAL ASSISTANCE (TMA)

UK

Pay and Seek Reimbursement

TRAVEL GUARD

USA

Pay and Seek Reimbursement

TURIEN Y CO ASSURADEUREN

Holland

Pay and Seek Reimbursement

TYROL AIR AMBULANCE Ges.m.b.H.

Austria

Pay and Seek Reimbursement

UNITED HEALTHCARE GLOBAL SOLUTIONS

USA

Direct Bill

UNIVERSAL ASSISTANCE

USA

Pay and Seek Reimbursement

USA MEDICAL SERVICES

USA

Direct Bill

VUMI GROUP

USA

Direct Bill

WORLD TRAVEL ASSIST

USA

Pay and Seek Reimbursement

WORLDWIDE MEDICAL ASSURANCE, LTD. CORP.

Panama

Direct Bill

WSIB (WORKPALCE SAFETY AND INSURANCE BOARD)

Canada

Pay and Seek Reimbursement

WTP ASSIST

Canada

Pay and Seek Reimbursement

 

IMPORTANT NOTICE FOR US CITIZENS

Please be aware that Hospital CIMA does not accept Medicare or Medicaid as a form of insurance payment. In general, these plans do not provide any benefits for travelers outside the United States, even for emergency medical situations.  

We strongly encourage US citizens traveling abroad purchase travel medical insurance that covers the costs of medical care, both on a routine and an emergency basis, and that includes the costs of emergency medical evacuation. We hope that no one ever needs that insurance; however, we regularly see patients who are experiencing both the stress of an emergency medical situation and the discovery that their health insurance coverage is not as broad as they thought it was.