In order to know which insurance you have, find the travel insurance information that you will have received via email before arriving to Barcelona.
During your study abroad experience, you are insured with a study abroad medical insurance that gives you coverage in Spain, Europe, and Morocco.
Depending on your University, you'll carry a specific insurance with a determined coverage and procedures on how to process your medical expenses.
The Hospital HM Delfos has direct billing with Geoblue/Blue Cross Blue Shield (which means that you don't have to pay upfront). If you have another type of insurance, or if you decide to go to any other hospital, you may need to either pay upfront first and later make a claim to be reimbursed or request direct billing before hand (See below how to make a claim and how to request direct pay).
Before your arrival in Barcelona, your insurance identification card was emailed to you. It is important that you understand that this is not a travel insurance plan - it is health insurance and it will only cover illnesses or conditions that you experience while you are on the program from the start date until the program end date.
Some students may want to explore additional insurance options for more coverage, especially if you have a pre-existing physical health condition or are traveling with expensive personal property that is not covered under the policy (such as cell phones, laptops, or other electronic equipment).
We recommend that you have a copy of your insurance card printed and saved on your phone.
The program keeps a copy of your health insurance to help you in case of emergency.
Why would I need to ask for a reimbursement? If you went to a hospital and you paid the medical visit or medicine upfront because that hospital or clinic doesn't work with your insurance, you will need to contact your insurance company and ask for a reimbursement.
The best way to submit a reimbursement claim is through the Geoblue/Blue Cross Blue Shield mobile app under the section "Claims". You can chose to submit a claim through "File an eClaim" or "View My Claims" to see saved claims.
NOTE: You can find your Log-In information in your welcome email from Blue Cross (called "Barcelona SAE- Blue Cross Insurance Registration and Card")
Filing a Claim by Email:
Full instructions and the appropriate claim form can be found in the Member Hub on https://bcbsglobalsolutions.com/schools/
Claims can be requested via email to: claims@bcbsglobalsolutions.com
You must fill out the reimbursement form and attach it to the email.
Attach all relevant information in the email: medical report, invoice, prescription document, pharmacy receipt.
Write your policy number and full name as the subject of the email.
They will get back to you with the information they need to proceed with the reimbursement.
If they don't answer your email within 48 hours you can call them at:
Outside the U.S.: +1-610-263-2847 (Collect Calls Accepted)
Inside the U.S.: +1 (844) 268 2686
Requesting Direct Pay:
Use the Member Portal or mobile app to find a provider and schedule your appointment.
Complete the Direct Pay form found in the quick links bar on the homepage.
Or call the number on the back of your ID card.
Contact GeoBlue at least 48 hours before your appointment. This gives them time to arrange Direct Pay with your provider.
For more information, go to: link.
If you are a student from the University of Illinois at Urbana-Champaign, check the Illinois Gallagher website here and their mobile guide here.
To submit a Claim for Reimbursement to the international insurance provider, please follow these steps within 90 days of receiving care:
Obtain receipts for all payments for medical care with a description of services and the amount paid. Receipts must be translated to English before submission to Health Special Risk. (see Step 4)
Make copies of all documents.
Fully complete the appropriate claims form (find it in this link)
If needed: Students can request translation services by contacting the international insurance email (GallagherGlobalAssistance@ajg.com). Be sure to send copies of the completed Claims Form and all receipts. Gallagher will submit the claim on your behalf, so you do not need to complete Step 5 if you request translation services.
Submit your “Study Abroad Claims Form” and all receipts/documents within 90 days of receiving care, via email (preferred method) or mail, to:
Email: Gallagher@hsri.com
Address:
Health Special Risk, Inc.
4100 Medical Parkway
Carrollton, TX 75007.
Include the case number provided at the time of treatment, if applicable, in any correspondence regarding your claim.
If they don't answer your email within 48 hours you can call Axa Partners (They manage medical claims for Gallagher Assistance in order to provide active assistance to anyone outside the USA) at +1-312-935-9242.
Chubb works on a "reimbursement basis", this means that you'll generally have to pay for your medical expenses and then request a reimbursement. With Chubb the claim is submitted online. Before you start the process make sure you have this information handy to provide it through the form:
Your contact information (your phone number and e-mail)
Your policy number (in your insurance card)
Supporting documents - any that apply: police report, proof of travel, incident reports, receipts, medical reports, hospital discharge summary, third party reports, medical leave certificates, etc. These documents must be clear and legible.
Your account details (IBAN/account number, SWIFT/BIC if international) - If you are not able to provide these, you may call Chubb's customer services asking for a claim form.
To submit your claim access this page. You may also need to provide your preferred payment method.
If you are not able to provide your bank details, contact Chubb's customer service asking for a claim form (see below the contact details):
Phone: +1-800-336-0627 (within US) or +1-302-476-6194 (outside the US)
Email: ACEAandHClaims@chubb.com
Office hours: 7:30 am to 4:00 pm Mon-Fri EST (US).
If you have questions regarding the benefits from your insurance or to verify eligibility, contact: Chubb NA at 800-336-0627 (from inside the US) or 302-476-6194 (from outside the US).
For more info go to this page.
If you are a UC Berkeley student, you can find more resources in this link.
If you are a Berkeley student and you wish to make a claim for stolen items, note that you'll have to submit it within 24 hours after the incident. Otherwise, your claim won't be eligible for reimbursement.
CISI works on a pay and claim basis for minor injury or illness, therefore, you'll generally will have to pay for your visit and treatment, and then request a reimbursement. In the case of serious injury or illness, direct billing may be requested.
To submit a claim, you can do so either through your CISI online portal, or through e-mail.
If you wish to submit it through your online portal, follow these steps:
Log into myCISI via the online portal
If you created a login already, select I am “Insured”. Then enter your Username and Password.
If you have not created a login, Click on the “click here” button to create an account.
Go to the Claim Info & Submission tab.
Click on Submit a Claim & check the Status Online.
Go to Submit a Claim and follow the prompts.
Check claim status once you’ve submitted a claim.
See below the steps on how to submit a claim through e-mail with CISI:
Complete the claim form: Fully complete and sign the medical claim form for each occurrence, indicating whether the Doctor/Provider has been paid. (If you can't find the claim form contact the Health & Safety team through health@barcelonasae.com)
Include itemized bills & documentation: Attach itemized bills for all amounts being claimed and the medical documentation (medical report, prescription document, pharmacy receipt).
Submit claim: Send it to submityourclaim@mycisi.com
If you need support with the claim process you contact them through:
Phone: (800) 303-8120 (toll-free) or (203) 399-5130
Email: claimhelp@mycisi.com
To request a guarantee of payment (direct billing), you should do so through AXA Assistance:
Phone: (855) 327-1411 | (312) 935-1703
Email: medassist-usa@axa-assistance.us
If you'd like your medical expenses to be directly billed to your insurance company, you'll have to request a guarantee of payment to International SOS.
You may contact their Assistance Centers either through chat, the app, phone or e-mail.
Below is the contact of Spanish Assistance Center:
+34 91 572 4363
If you paid upfront and you'd like to submit a claim, you have to do so with Gallagher (the administrator of your insurance company):
You'll have to request an itemized bill with the following details:
Health Special Risk, Inc.
HSR Plaza, 4100 Medical Parkway
Carrollton, Texas 75007
Phone: 1-972-512-5600 or 1-866-523-3183, Fax: 1-972-512-5820
Email: Gallagher@hsri.com
Reach out to Gallagher either via phone (1-972-512-5600 or 1-866-523-3183) or e-mail (Gallagher@hsri.com) and request the claim form that you'll need to complete in order make your claim.
Complete the form.
Send an e-mail to Gallagher@hsri.com explaining that you'd like to request a claim and attach the itemized bill, the form completed and the medical documentation from what you'd like to be reimbursed.
If you'd like your medical expenses to be directly billed to your insurance company, you'll have to request a guarantee of payment to International SOS.
You may contact their Assistance Centers either through chat, the app, phone or e-mail.
Below are the contacts of the Assistance Center:
Phone of Philadelphia's Assistance Center: +1-215-942-8226
Phone of the Spanish Assistance Center: +34 91 572 4363
E-mail from the Spanish Assistance Center: madrid@internationalsos.com
If you paid upfront and you'd like to submit a claim, you have to do so with Gallagher (the administrator of your insurance company):
Reach out to Gallagher either via phone (1-972-512-5600 or 1-866-523-3183) and request the claim form that you'll need to complete in order make your claim.
Complete the form.
Send an e-mail to GallagherZurich@hsri.com explaining that you'd like to request a claim and attach the receipt or invoice, the claim form completed and the medical documentation from what you'd like to be reimbursed for.