Korean Job Discussion Forums

[L&MaC's]

so, I am heading to Japan for a short (4) day trip
Departure Date 01/20/2011
Return Date 01/23/2011

But I am travelling with a couple of kids.

So, I purchased travel /medical insurance,

However - IF one of us has an accident and gets taken to the hospital - who pays the hospital? Do I have to pay upfront? or will the insurance company take care of the hospital fees?

Do I have to pay, then get reimbursed after I make a claim from the Insurance company? or do I just show my travel/medical insurance to the hospital - and the hospital/and or insurance company takes care of it?

I ask, because being winter and icy and slippery on the streets, if one of us gets him by a car, the hospital costs could be HUGE.

I am covered up to USD$1,000,000 - but I don't have a lot of money to give the hospital, then make a claim afterwards.

Who pays the hospital directly? me or the insurance company?

or do I just phone their 24 Hour Emergency Assistance at the hospital and they take care of the hospital fees?

p.s. - I purchased the insurance via an internet site -

--------------------------------------------------------------------------
Purchase Information
Purchase Date 01/18/2011
Order Number **************
Plan Name Global Underwriters Diplomat International
Plan Number **********
Fulfillment Postal
Total Cost $****
Customer Information
Insured(s) *******
Address **********
Daytime Phone *********
Evening Phone *******
Email Address *********
Coverage Information
For detailed coverage information, click any of the links below.

Company
Plan Name Diplomat International
Plan Terms Full Details
Plan Type Travel Medical
Total Policy Cost $******
Available to Travelers from Any Country
Trip Interruption $5,000 max
Travel Baggage $250
Medical $1,000,000
Complications of Pregnancy Not Available
Terrorism Covered
Dental $100 Per Tooth
Emergency Medical Evacuation $300,000
24-Hour Emergency Assistance Yes
Sudden Recurrence of Pre-Existing Conditions
$15,000 up to age 65;
$2,500 over age 65
Pre-Existing Condition Period 3 Years
Renewable No
Insurance Company Chartis
A.M. Best Rating A
Accidental Death - 24-Hour $25,000
Accidental Death - Common Carrier
Included in Accidental Death - 24-Hour
Accidental Death - Flight
Included in Accidental Death - 24-Hour
Policy Fulfillment Postal
Additional Options $0 deduction.

Additional Notes

= Coverage Limitations 2 = Secondary Coverage
Coverage limits are per person. Plan cost is for all persons.
Trip Details
Primary Destination Japan
Departure Date 01/20/2011
Return Date 01/23/2011
Tour Operator None
Airline Japan Airlines
Cruise Line None
Insurance Provider
Address
Global Underwriters Agency Inc.
3195 Linwood Rd. Suite 201
Cincinnati, OH 45208
Claims
Claims
(800) 513-2981
24 Hour Emergency Assistance
(800) 626-2427
(713) 267-2525 (If overseas, call collect.)
[email protected]
Mailing Address
Global Claims Administration
3195 Linwood Rd Suite 201
Cincinnati, OH 45208
Underwriter Coverage is underwritten by the Insurance Company of the State of Pennsylvania, A member company of CHARTIS.

[L&MaC's]

The insurance company answered my questions -

We are emailing you regarding your question about who pays the hospital bills if a medical emergency should arise.

The policies are on a reimbursement state. However, if there is a very large covered medical claim, the insurance company will make arrangements to pay the necessary medical expenses. They will ask if you have any other way of paying for the medical expense, such as a credit card. The reason for this is the insurance company would need to verify that the reason for the medical claim is a valid and covered claim.