How to File Claims with Morgan White

In order to file a claim with Morgan White, you must first fill out a claim form. You would have received a claim form, and additional information, with your Welcome to MWG International email. If you need another one, please contact claims@expatinsurance.com

Ensure claims meet the following criteria for submission:

1. The claim form is legible, completed in its entirety, signed, and dated.

The claim form indicates services rendered, where and by whom services were rendered, and the total cost for each service.
It will also detail the type of illness/accident and the dates the illness/accident first occurred.

2. Attach all supporting documents related to the claim.

Medical records should include complete notes by the physician, surgical reports, and diagnostic and/or pathology results where applicable.

Here is the complete Claims Checklist to review.

3. Provide previous medical history up to 3 years before your policy effective date.

Morgan White requires detailed past medical records to ensure your medical event is not considered as non-disclosed preexisting. Be sure to request these from your past doctors as soon as possible.

If you do not complete these three criteria, the claims process will be delayed. Morgan White also reserves the right to request additional documentation related to your claim. 

Please note that any non-emergency hospital admission must be pre-certified at least 15 days before the procedure. Here is additional information on precertifying a medical event with Morgan White.