FAQs
Before I travel, do I need to advise Global Excel?
No, only advise Global Excel in case of medical emergency. However, you should be prepared to submit proof of your travel dates.
Why do I have to call everytime I would like to see a doctor?
Call Global Excel and we will open a file and assist you in locating a facility or physician. We ask you to call us everytime you see a doctor so we can be aware of your condition and provide you with the necessary support during this critical time.
What if it's during the middle of the night on a Sunday and I need to see a doctor?
You can call Global Excel any time. We are open 24 hours a day, seven days a week.
What happens if I do not call you before I go to the doctor?
It remains your responsibility to ensure that Global Excel has been contacted prior to receiving medical treatment or as soon as reasonably possible. Failure to notify and obtain prior approval from Global Excel will limit benefits to:
- In the event of a hospitalization, 80% of eligible expenses, based on reasonable and customary costs, to a maximum of $25,000 CAD;
- and in the event of an out-patient medical consultation, a maximum of one visit per sickness or injury.
Can I have my physican or hospital direct bill with Global Excel?
Yes, you or the provider can contact Global Excel to make arrangements.
Can the pharmacy direct bill with Global Excel Management?
Unfortunately pharmacies are not setup to direct bill with Global Excel.
Do I fill out the whole claim form or just the highlighted portions?
You must fill out the entire claim form while making sure the highlighted sections are completed as well.
What is a version code?
A version code is a single or double letter code at the end of your numeric health insurance code assigned to people from Ontario. When cards are changed they keep their numeric code but the version code changes.
Why do you ask for credit card numbers, Government Health Insurance Plan numbers, and other insurance information?
If, at the time of loss, you have insurance coverage from another source, or if there is any other party responsible for benefits provided under this policy, the insurer will pay eligible expenses only in excess of those covered by that other insurer or other responsible party. This is applicable for credit cards, private or provincial auto plans or any other insurance, whether collectable or not. If, however, that other insurance is also "excess only", the insurer will coordinate payment of all eligible claims with that other insurer. All coordination follows Canadian Life and Health Insurance Association Inc. guidelines. Please refer to the following website: www.clhia.ca.
In no case will the insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 CAD or less.
Where do I put the file number on the claim form?
The file number is located on the top right of the claim form. Tip: Please write the file number on each receipt.
Can I fax in my claim form?
No, we need to have your original signatures.
Do I send in a photocopy of my receipts or the originals?
Please submit your originals, but you must keep a copy for your records.
Can I fax in the receipts?
No, we need to have the original receipts.
Is it better to send my receipts to the Quebec address or to the Vermont address?
If you are in Canada, you should send them to the Quebec address. If you are in the US, you can send them to the Vermont address.
How do I pay my deductible?
Please issue a cheque or money order to Global Excel Management Inc. when submitting your claim.
I am back in my home province but require further treatment due to an accident which occurred while I was traveling. The treatment I need is not covered by a Government Health Insurance Plan. Can I send in my receipts to you for coverage?
No, we only cover for out-of-country expenses. Please contact Global Excel for more information.
Why are you asking my doctor to fill in a questionnaire about my medical history?
In the event of an accident, injury or sickness, your prior medical history will be reviewed in order to meet the requirements of your insurance coverage in regards to eligibility and pre-existing conditions.
I am receiving bills and/or calls from physicians and hospitals. What should I do?
We would ask you not to issue payments to the providers, but send in the bills to Global Excel immediately.
Do I have to fill out an accident report?
An accident report is only required if your expenses arose due to an accident. Click here to download a PDF copy of the accident report form.
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