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Old 21.06.2011, 14:09
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How do I file a Sanitas claim?

Hi all,

I have a quick question for those of you who use Sanitas as your health insurance provider.

How do you put in claim?

I have received a bill directly from my GP which I would like to forward on to Sanitas so that they can put it though my health insurance.

Is there a certain procedure for sending my bill to Sanitas? Be it an address specifically for claims? Or a covering letter I should include? Do you send the original bill or a photocopy?

Iíve had a look through my insurance docs and my german is so rudimentary that I would have to type the whole thing into Google Translate to find what Iím looking for! :S

Thanks in advance for your help!

Laurie x
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Old 21.06.2011, 14:16
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Re: How do I file a Sanitas claim?

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Hi all,

I have a quick question for those of you who use Sanitas as your health insurance provider.

How do you put in claim?

I have received a bill directly from my GP which I would like to forward on to Sanitas so that they can put it though my health insurance.

Is there a certain procedure for sending my bill to Sanitas? Be it an address specifically for claims? Or a covering letter I should include? Do you send the original bill or a photocopy?

Iíve had a look through my insurance docs and my german is so rudimentary that I would have to type the whole thing into Google Translate to find what Iím looking for! :S

Thanks in advance for your help!

Laurie x
Usually you get 2 copies of the bill on one sheet of paper; half you keep (& pay) the other half you send away.
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Old 21.06.2011, 14:17
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Re: How do I file a Sanitas claim?

With my insurance company, I have to pay the bill and send evidence of payment (with a copy of the bill) to the insurance company. They may, or may not, refund me at a later date.
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Old 21.06.2011, 14:26
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Re: How do I file a Sanitas claim?

That sounds sensible!

Although I had been told by someone when I first applied for Sanitas that I shouldnít pay any bills directly, and that I should send off my bills for Sanitas to payÖ I just canít find any info on where I send these bills and what iím supposed to include. Feel like a dumbass!

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With my insurance company, I have to pay the bill and send evidence of payment (with a copy of the bill) to the insurance company. They may, or may not, refund me at a later date.
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Old 21.06.2011, 14:24
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Re: How do I file a Sanitas claim?

Thanks for your reply.

Surely I donít pay the bill if itís come direct from my GP and I want Sanitas to pay it?

Iím just unsure where I am supposed to send the bill to for Sanitas and whether there is some kind of covering letter I am supposed to include.

Thanks

Laurie x
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Old 21.06.2011, 14:27
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Re: How do I file a Sanitas claim?

Normally you have to pay it first- check with your Insurance, as they are all different. Re-imbursement also depends on your 'franchise' - our is 500CHF, so we have to pay the first 500CHF each year, before the insurance kicks in. So far we've never exceeded that - so paid all bills for doctor's and drugs.
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Old 21.06.2011, 14:33
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Re: How do I file a Sanitas claim?

Quote:
Normally you have to pay it first- check with your Insurance, as they are all different. Re-imbursement also depends on your 'franchise' - our is 500CHF, so we have to pay the first 500CHF each year, before the insurance kicks in. So far we've never exceeded that - so paid all bills for doctor's and drugs.
Thanks for your reply. Thatís kind of what Iím asking, whether anyone who uses Sanitas knows what I have to do.

I have a massive excess on my insurance (1000chf+) but I want this bill to come out of my excess as it would seem that Iím going to need further treatment this year that will eventually use up my excess anyway, so it seems to make sense to claim all bills thorough Sanitas.

All I really need to know from any Sanitas users, is what they do when they claim?

Thanks for your help!

Laurie x
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Old 21.06.2011, 14:55
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Re: How do I file a Sanitas claim?

I have Sanitas insurance. With the policy I have, I need to pay all bills myself and send a copy/original to Sanitas. I am reembursed later for the bill.

Your policy might be different, though.
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Old 21.06.2011, 14:57
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Re: How do I file a Sanitas claim?

Would be interested in a reply from Sanitas members. For our Insurance- they will not pay bills until you've exceeded your excess- irrespective of any 'anticipated' further treatment. So if your first bill is. say, for CHF 1200, they would only pay the 200. With most insurances the excess is down to you.

Edit, Helm, posts crossed. What excess do you have on your policy - surely the re-imbursement will only take place once you've gone beyond that excess.
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Old 21.06.2011, 15:02
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Re: How do I file a Sanitas claim?

When you took out your insurance they should have sent you a sheet of peel off labels. Each label has three boxes and you're supposed to tick one of them. The boxes are "accident", "sickness" and "maternity." You stick the label on the doctor's bill and tick the appropriate box. Then pay the bill at the post office and staple the franked counterfoil to the bill. Then send it off to Sanitas. They should also have sent you peel off labels with their address to stick on the envelope. If you haven't got the labels, give them a call.
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