Frequently Asked Questions

faqFrequently Asked Health Insurance Questions

We are here to answer all of your questions regarding your Health Insurance needs. If any of your questions are not sufficiently answered or not addressed below please Contact Us.

Application Form and Visa Compliance

Yes. Both plans meet the requirements for a visa or residency permit in most countries around the world and ALL countries in Europe. Both plans are accepted by all major embassies, consulates, and immigration authorities.

Access HMO can send electronic copies of your Health Insurance documents directly to your embassy or consulate. You may request this on the Application Form. Please be sure to fill out all of the related fields on the application to ensure speedy delivery.

If you need this insurance to satisfy the requirements for your visa or residency permit, make sure the start and end dates you select meet or exceed the desired start and end dates of your visa or residency permit.

The day following payment  (please check with your bank to ensure your payment reaches us on time).

No. All you need to do is answer the medical questions on the application.

Payment and Documents

We accept all major credit and debit cards, as well as PayPal, for online transactions. We also accept bank transfers. Contact Us for details.

However, we must receive payment before we can issue your insurance documents.

Complete Our Online Application and you will be directed to a secure payment portal where you can pay by credit card, debit card, or PayPal. You will then receive a confirmation email, followed by electronic copies of your insurance documents within 24-hours of payment.

Your insurance documents will be issued electronically within 24-hours of payment. We will mail you the original documents by standard mail for no additional fee. Please allow 4-6 days for delivery. If necessary, your documents can be sent by overnight courier for an additional fee.

If you are purchasing this health insurance to obtain a visa or residency permit, unfortunately, you may not pay in installments as you are required to show proof of payment for the entire length of your insurance coverage. However, if you do not need the insurance for your visa, you may pay in quarterly installments.

Each and every family member applies separately and is priced separately. If a family discount applies, the discount will be credited back to you within 30 days.

Coverage and Benefits

Emergency dental at hospitals is covered, up to 200 Euros.

Expenses associated with corrective lenses, such as eyeglasses and contact lenses, are not covered. However, any diseases or malfunctions of the eye, treated by an ophthalmologist, are covered (for example: eye infection, cataracts, etc.)

Absolutely. For female applicants who are considering pregnancy, this plan is essential. Please Contact Us for details about our coverage and rates.

Medical Questions & Claims

Simple. Contact the number on the back of your ID Card or Contact Us directly and we will  arrange the next available appointment for you. If you already have a doctor, be sure to call the number to pre-certify the visit so that, if possible, we may arrange for direct payment to your doctor on your behalf.

If your doctor is a participating network provider, you pay nothing.  However, if your doctor does not belong to our network, you must pay their fee and will be reimbursed for your payment (subject to deductible, co-payment, or co-insurance where applicable). Please remember to pre-certify by always calling the number on the back of your Health Insurance ID Card. (Failure to pre-verify may result in denial of coverage)

You must fully complete a Claim Form and submit it to the Email address on the back of your ID card with your receipt attached.

A Claim Form was included with your insurance documents. If you need another copy, you may download it here.

Customer Service

Please contact us at Include your full name and the answers to the following questions:

1) How long do you wish to extend coverage?

2) Do you wish to remain on the same plan or upgrade?

Yes. We will credit you for your upgrade, depending upon the number of months you’ve been covered and the premium you’ve already paid.

Please contact us at Include your full name in your email. We will send you a Replacement Card by email and we will mail your new laminated card to your physical address. In the event of an emergency, we will verify your coverage on your behalf with hospital admissions or your doctor.

Once coverage takes effect there are no refunds or cancellations unless you upgrade to another level of coverage.


If your question has not been answered here or elsewhere on our website, please feel free to Contact Us anytime.