Claims Outside The USA

When you need medical treatment we are there to help you and to ensure that you get the care that you need.

If it is an emergency, seek treatment immediately, and then contact Aetna +1 877 248 2197 and also email our Claims Team to help.

If it is not an emergency, perhaps it is a good opportunity to use the vHealth Worldwide app to speak to a doctor? There is no charge and no impact on your No Claims Bonus.

Smiles abound as our missionary health insurance members love and serve those around them

Finding a Hospital or Doctor

Outside of the USA, you are free to seek treatment from any hospital or doctor. Aetna has a network of 165,000 international facilities that have already agreed to receive a direct payment from Aetna for your medical treatment.

If you are not seeking treatment at one of these facilities, it is still usually possible for Aetna to arrange a direct payment for you when the cost of treatment is over US$500. If you need to have Aetna make a direct payment for you, please follow the below pre-authorization process.

Medical Treatment that Requires Pre-Authorization

If you need any of the following types of treatment, you must follow the below pre-authorization process, or your claim may not be covered.

  • Planned in-patient or day-patient treatment (hospitalization)
  • Any pregnancy or childbirth treatment
  • Planned surgery
  • Medical, political or natural disaster evacuation
  • Psychiatric treatment – in-patient, day-patient or out-patient
  • Home nursing charges
  • Planned in-patient, day patient or out-patient MRI, CT & PET scans

Pre-authorization Process

If you serve in a country “sensitive” to missionaries, please email us for an alternative form.

Europe

1. Download these forms

a. PCMF (to be completed by your doctor)

i. This form tells Aetna

1. What you need treating for.

2. What your doctor is proposing as treatment.

3. An estimate of the cost.

b. ROMIF (Sign this. This permits Aetna to communicate about you and your condition with your doctor).

2. Email the forms to [email protected]

3. For any urgent needs or questions, call Aetna on +44 870 429 6439

Asia Pacific

1. Download these forms

a. PCMF (to be completed by your doctor)

i. This form tells Aetna

1. What you need treating for.

2. What your doctor is proposing as treatment.

3. An estimate of the cost.

b. ROMIF (Sign this. This permits Aetna to communicate about you and your condition with your doctor).

2. Email the forms to [email protected]

3. For any urgent needs or questions, call Aetna on +852 3071 5022

Middle-East, India & Africa

1. Download these forms

a. PCMF (to be completed by your doctor)

i. This form tells Aetna

1. What you need treating for.

2. What your doctor is proposing as treatment.

3. An estimate of the cost.

b. ROMIF (Sign this. This permits Aetna to communicate about you and your condition with your doctor).

2. Email the forms to [email protected]

3. For any urgent needs or questions, call Aetna on +971 4324 0040

 

Canada, Central and South America

1. Download these forms

a. PCMF (to be completed by your doctor)

i. This form tells Aetna

1. What you need treating for.

2. What your doctor is proposing as treatment.

3. An estimate of the cost.

b. ROMIF (Sign this. This permits Aetna to communicate about you and your condition with your doctor).

2. Email the forms to [email protected]

3. For any urgent needs or questions, call Aetna on +1 877 248 2197

Please note that the above numbers only operate during office hours.

If you have an urgent need outside of office hours, please contact Aetna on
+1 877 248 2197

If you serve in a country “sensitive” to missionaries, please email us for an alternative form.