What Documents We Provide
After every visit, you receive three documents. All in English, all formatted for insurance:
- Medical report: Your diagnosis, examination findings, symptoms, and treatment provided. Written in clear medical language that your insurer's claims team can process.
- Itemized receipt: A line-by-line breakdown of charges. Consultation fee, medications, IV fluids, supplies. Each item listed separately with its cost.
- Prescription record: If the doctor prescribed medication, the names, dosages, and instructions are documented for your records.
These aren't generic printouts. Our Da Nang medical team writes them specifically for insurance claims, with the diagnostic codes and details that adjusters look for.
How to File Your Insurance Claim
The process is straightforward:
- Before your visit: Check your policy for any pre-authorization requirements. Some insurers require you to call their assistance hotline before seeing a doctor. Others don't.
- During the visit: The doctor treats you at your hotel or apartment in Da Nang. Payment is made directly to us.
- After the visit: Collect your medical report and receipt. Take photos as backup.
- File your claim: Log into your insurer's app or portal. Upload the medical report, receipt, and proof of payment. Include your policy number.
- Wait for reimbursement: Processing typically takes 2 to 6 weeks. Some insurers are faster if you submit digitally.
Insurers We've Worked With
Our documentation has been accepted by these providers (and many others):
- Allianz Travel Insurance
- AXA Assistance
- Bupa International
- Cigna Global
- World Nomads
- SafetyWing
- IMG (International Medical Group)
If your insurer isn't on this list, don't worry. The documents follow international standards. We haven't had a claim rejected due to documentation issues.
What's Typically Covered
Most travel insurance policies cover:
- Doctor consultations for acute illness (food poisoning, fever, infections)
- Prescription medication
- IV therapy for dehydration
- Diagnostic tests (blood work, ECG) ordered by the doctor
- Follow-up visits for the same condition
Policies vary. Pre-existing conditions, elective treatments, and routine checkups are usually excluded. Check your policy's fine print or call your insurer if you're unsure.
One exclusion worth checking before you travel rather than after: adventure activities. Caving, abseiling, zip-lining, off-road motorbiking and multi-day jungle trekking are excluded outright by many standard policies, or need a paid add-on. It is also worth understanding what a tour operator's own insurance is, it is typically a small statutory accident cover, not comprehensive medical cover, and it will not repatriate you. If your trip includes Phong Nha, our guide to getting sick or injured in Phong Nha covers what care is actually available out there.
Tips for a Smooth Insurance Claim
- Photograph your medical report and receipt immediately after the visit.
- Save the doctor's contact information in case your insurer has follow-up questions.
- File your claim as soon as possible. Some policies have a filing deadline (30, 60, or 90 days).
- Keep the original documents. Some insurers want originals mailed to them.
- If your insurer denies the claim, ask for a specific reason. Most denials are due to missing information, which we can help you resolve.