First steps
As soon as you can, test your insurer’s app/website so it works when you need it.
Log in and confirm your personal details are correct
Find the Emergency Assistance section (often under Help/Assistance/Contact)
Find the Claims section and check you can submit a claim, upload documents, and track status
Locate your policy number / membership ID and save it somewhere safe
Save your contacts now
Save these in your phone so you can reach them quickly:
Emergency – Local Services (your local emergency number)
Insurance – Emergency Assistance (24/7) (your insurer hotline)
Insurance – Claims (claims number/email)
Insurance – Member Services (if available)
Tip: Add your policy number in the notes of your insurer contacts.
Insurance Contact Information
Link
Claims Email
Tel: +352 437 43 4244
Link
Claims Email
Tel: +49 40 30 68 74-0
Link
Claims Email
Tel: +33 1 73 02 93 93
Link
Claims Email
Tel: +49 (0) 40 4600 20 333
Link
Claims Email
+352 270 444 3131
Link
Claims Email
Tel: +49 228 97735-22
Submit a claim
For most claims, the fastest route is your insurer portal/app.
Submit via insurer portal/app (preferred) or claims email/form
Include: name, policy ID, date, location, provider, short description
Upload what you have now, you can add documents later
Save the claim reference number and submission date
Claim checklist (what insurers usually ask for)
This varies by insurer and claim type, but these are common:
Usually needed
Invoice(s) showing amounts paid/owed
Proof of payment (if you paid out-of-pocket)
Medical report/summary or consultation notes
Prescriptions (if relevant)
Sometimes needed
Referral letter (specialist visits)
Lab results/imaging reports
Itemized invoice (service breakdown)
Accident/police report (accidents)
Travel documents (travel-related claims)
Renewal check (90 days before renewal)
We will contact you around 90 days before your renewal date to confirm everything is still up to date and aligned with your needs.
What we’ll check
Any changes since last year (travel, location, family, work, health needs)
Key benefits, limits, and exclusions
Renewal dates and payment timing to avoid any gap in cover
Tip: Keep an eye out for our message and let us know as soon as possible if anything has changed.