Pay-and-Reimburse: Claiming Your Costs Back
How to claim reimbursement from your insurer after paying the hospital — the documents and steps.
Pay-and-reimburse is the most common route: you pay the hospital, then claim the costs back from your insurer.
Documents you’ll need
- Itemized invoices — broken down by service, in Chinese and ideally English
- Diagnosis and treatment records
- Prescriptions and medication lists
- Proof of payment — receipts or card statements
- Flight and hotel receipts (if travel is covered)
- Your insurance claim form and policy details
The typical process
- Collect all documents after treatment (we can provide English copies).
- Submit the claim to your insurer (online or by post, depending on the insurer).
- Follow up if the insurer requests more information.
- Receive reimbursement (timing varies by insurer).
Tips
- Keep original receipts — many insurers require them.
- Submit promptly — some policies have a time limit for claims.
- Keep copies of everything you submit.
⚠️ Requirements vary by insurer and policy. Check your policy’s claim rules before you travel.
💡 We help: We provide itemized invoices and treatment records in English to make your claim smooth.