How to File a BMI Claim

For all BMI claims, including consultations, in-patient services, medications, and anything else medically-related, there is a time limit of 180 days from the date of service to file your claims to be paid towards your deductible, or reimbursed to you, if applicable. For US claims, the provider typically submits the claims directly through the Aetna network. To make sure your provider is in the network, consult the online Directory of Health Care Professionals here.

For international clients, BMI's policies offer freedom of choice, which means you can seek care at any healthcare facility of your choice, and be reimbursed for your expenses after the fact. It also has a network of care providers throughout Latin America and the Caribbean, which you can consult here: BMI Hospital Network.

How To File Claims

In order to file claims with BMI you will need to provide a filled-out claim form (found the end of this article), as well as the documents listed on the Claims Checklist. These documents are also listed further down in the article.

Be sure to collect as much of the information as possible while still with your doctor or hospital. If anything is missing it will cause delays in processing your claims.

With the filled-out claim form and the required documents, you will then need to submit all documents through their portal which can be found here: BMI Health Claims.
* Note that this is different from your client portal

Be sure to be detailed when describing the diagnosis to avoid delays in claims processing. BMI reserves the right to request additional information depending on their medical team's evaluation of your claims.

Necessary Documents

For filing general CLAIMS, you will need to collect the following paperwork: 

• HIPAA Release (only for services provided in USA).
• Factura (only for services provided in Mexico).
• Official invoice for services in other countries (contact Expat Insurance if you have questions about these documents).
• All claims must have proof of payment, ie. credit card slip, “Pagado” stamp, etc.
• Doctor’s medical notes which clearly state:
  • The date of the onset of symptoms in, D/M/Year or M/D/Year format.
  • Evolution of diagnosis.
  • Treatment plan and duration.
  • The medical notes need to be on the doctor’s letterhead.

For Medication & Labs/Tests {in addition to above}: 

• Written prescription for medication, labs/testing.
• Receipts and invoices.
• Results of labs/testing.
• Medical report/note from doctor with date of onset of symptoms and treatment recommendations, ie. “Patient came to see me when symptoms started D/M/YEAR or M/D/YEAR. I am prescribing xxx.” The date must include day, month, year.

For surgeries, ER visits, & Overnight Admittance {in addition to above}:

• Itemized bill - breakdown cost of every item used during hospitalization.
• Operative report.
• Anesthesiologist’s notes.
• ER notes.
• Admission & Discharge notes.
• All test results.

Please include sending your claims documents to Expat Insurance at claims@expatinsurance.com in case any issues arise. For any additional claims-related questions, please contact us at claims@expatinsurance.com.