You have the freedom to visit any medical provider you wish while abroad. You can seek medical care and then submit your receipts, medical records and prescriptions, along with a fully completed claim form to the claims team for processing.

  • For minor or non-urgent medical need, please utilize the free telemedicine service (My Daily Telehealth ) included with your insurance plan.
  • Urgent Care Centers and Walk-In Clinics are convenient and less expensive.
  • Only use the Emergency Room (ER) for life-threatening emergency situations, as you will pay an additional ER deductible in most cases.

For assistance finding providers or verifying benefits before seeking treatment, please contact DHIG directly using the contact details below:

Pre-Authorization

The following services require pre-authorization prior to the services taking place, except in emergency situations, which must be pre-authorized within 48 hours or as soon as reasonably possible.

  • Emergency Medical Evacuation;
  • Hospitalization or Day-Care Treatment, or the undergoing of Day-Surgery;
  • any medical procedure, involving general anesthesia;
  • Home visit by a Doctor;
  • Out-patient Treatment, if its cost will likely exceed the equivalent of 5 hundred EUR;
  • any medical condition for which Treatment cost will likely exceed the equivalent of 5 thousand EUR;
  • Repatriation or Burial;
  • other specific cases as set in the Certificate or elsewhere in the Contract.
Please see your certificate for full details and make sure to call the number on your insurance ID card within 5 business days prior to the scheduled procedure date or as soon as reasonably possible or there will be a reduction in benefits.

Medical & Travel Assistance

Non-Emergency Contact

For any non-emergency support issues, such as claim updates please either call using the numbers above, contact us via email