Claims Process
Also known as: Insurance claim, Reimbursement claim, Medical expense claim, Pay-and-claim
The claims process is how you request reimbursement from your travel insurer after paying for medical care abroad.
Last updated: 2 April 2026
Real-world example
You see a GP in Rome for an ear infection and pay EUR 80 upfront. Back at your hotel, you photograph the receipt and the doctor's notes, then submit a claim through your insurer's app. You include your policy number, the diagnosis, and proof of payment. Three weeks later, EUR 80 minus your EUR 50 excess is refunded to your bank account.
Why travellers need to know
Most travel insurance works on a pay-and-claim basis for outpatient care: you pay the provider, then submit a claim for reimbursement. The process requires specific documentation (receipts, medical reports, proof of payment) that is much harder to obtain after you've left the country. Collecting documentation at the time of treatment, not weeks later, is the single most important thing you can do to ensure a smooth claim.
Country-specific notes
Most Thai hospitals provide itemised English receipts
Thai private hospitals are experienced with insurance claims and routinely provide itemised English-language receipts, diagnostic summaries, and treatment records at discharge. Request all documentation before you leave the hospital.
Frequently asked questions
How Nomedic helps
Your Nomedic record stores medical reports, receipts, and treatment summaries in one place, so everything your insurer needs is already organised when you file a claim.
Your health records, anywhere you go
Your claim documents, already organised.
Free to start. No credit card required.