As now having experience with AXA I can destify that the system it uses is really not volunteer- friendly or easy to understand. This has been the case for me.
As I got agreement from my doctor that they will send the bills themselves to the insurance than this was not acceptable. Demand is that I HAVE TO pay them myself , and then send all the originals to France and cannot be even sure if they will exept my claim or not. What is more, it is actually really difficult to understand what kind of documents they need. They are very nice in answering emails but it still takes few days and calling there is quite expencive ... and so the days go ...
So at the moment , I have stopped my theraphy until I get a "green light " from France.
I have copied the email- exchange so maybe you find some useful information here:
The insurance will cover doctor’s consultations provided they are medically necessary, however, you must pay your bills first and then request reimbursement afterwards by sending all of your original documents to us by post as we do not pay directly to the doctors. Perhaps this is what the doctor was told and there was a misunderstanding?
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As I got agreement from my doctor that they will send the bills themselves to the insurance than this was not acceptable. Demand is that I HAVE TO pay them myself , and then send all the originals to France and cannot be even sure if they will exept my claim or not. What is more, it is actually really difficult to understand what kind of documents they need. They are very nice in answering emails but it still takes few days and calling there is quite expencive ... and so the days go ...
So at the moment , I have stopped my theraphy until I get a "green light " from France.
I have copied the email- exchange so maybe you find some useful information here:
The insurance will cover doctor’s consultations provided they are medically necessary, however, you must pay your bills first and then request reimbursement afterwards by sending all of your original documents to us by post as we do not pay directly to the doctors. Perhaps this is what the doctor was told and there was a misunderstanding?
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I was first to the emergency and they did copyies of incurence papers and everything was fine and they have not contacted us with a problem.
But after my situation got worse and I had a serious problem with walking I went to a specialist and he discribed me a support for my leg and physiotherapy as he said that I need to strenghten the muscels around my knees or I might not be able to walk without support in the future.
I do not have that kind of money to pay for the theraphy here in Austria. Does this also means that I cannot ask for any reimbursments for the leg support or the medicine ?
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Your consultations will be covered provided they were medically necessary and not ‘alternative medicine’ consultations. On the EVS policy you are covered for 5 sessions of physiotherapy provided you have a medical prescription. If you require more than 5 sessions you must contact us before you continue the treatment with a medical report explaining why you need such treatment, a treatment proposal indicating the number of required sessions and a cost estimate of the treatment. You can scan these documents and send them to us by email and then our medical team will decide how you will be covered.
Medical appliances such as supports etc are not covered by the EVS policy, except in the event of an accident that occurred during your project.
If you cannot pay these bills yourself, is there any possibility that your organisation or a family can advance the money on your behalf? We cannot confirm which of your treatments will be covered until we receive the official documents concerning your case.
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You wrote that " Medical appliances such as supports etc are not covered by the EVS policy, except in the event of an accident that occurred during your project. " Do I understand then correctly that having a bicycle accident during my project is the expeption you speak about and I should just provide a proof ( for example visit to the hospital after the accident) and receipy from doctor for the medicine and statement that I need these supports ?
Can these documents be in German ?
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Yes, usually if you need these supports due to your accident they will be covered according to the limits of your contract and the documents you mentioned are exactly the documents we will need. There is no problem that these documents are in German. Please ensure that you send the original documents and all prescriptions, medical reports, test results etc along with your claim form and bank details.
We will keep you informed about the processing of your reimbursement request through your participant page on www.msh-intl.com/global. Please click on ‘my reimbursement statements’ to see your reimbursements. If you see ‘0’ in ‘total amount‘, then documents or information may be missing or incorrect, so you must click on the magnifying glass or red envelope to read the message.
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I hope I am doing everything right with the claims and documents. I will send you all the copies I have so please let me know if there is something missing.
To conclude attached documents :
I had a bicycle accident on 5th of May. I stayed at home then until 7th of May when I went to work ( this was longest distance I had to walk after the accident ) and half way to work I could not properly walk any more and very slowly finally reached my workplace.
My workplace mentor then took me to the hospital - as I could not walk, we had to take the taxi ( attached invoices )
Proof of visit also attached. There I got röngen and consulation that I have to see a specialist.
My first visit to the specialist was on 23rd of May ( re-visits on 25th and 29th) - proof and activities and costs attached.
Doctor reffered me to have a 10 time theraphy for my knee- proof attached (in german).
My question now is that will the incurence cover these costs and can I do my theraphy- will the incurence pay for that ? ( 10 times). Also, my glasses where broken in the accident. Will insurence reimburse new ones ?
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Firstly in order to claim for reimbursement you must pay all of your bills first and send the original documents to us by post. Please note that transport costs, unless in certain circumstances by ambulance, are not covered by your plan.
5 sessions of physiotherapy are covered by your EVS plan provided the treatment takes place during your period of insurance. For more than 5 sessions you will need to send us a pre-agreement request before you undergo the treatment. This is a cost estimate for the 10 sessions that you need along with the medical prescription from your doctor. Our medical team will then decide whether or not this will be covered. This can be scanned and sent by email.
Vision care expenses are covered up to a total limit of €300 provided they are medically necessary. Either one pair of glasses and one visit to the optometrist or contact lenses and one visit to the optometrist are covered by your plan provided you are still insured at the time of service and provided the eye test result shows it is medically necessary.
You must have a medical prescription indicating the dioptres of your eyes and our medical team will assess your claim based on the medical necessity of the result of your eye test.
If you wish to have your eye test first and then send us the result we can tell you before you make your purchase whether or not they will be covered. This result can be sent by email if you have the facility to scan.
So this is where I am with it so far ...
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