If you have
some troubles with your health here is the guide based on my experience how to
find a doctor, to pay for you meeting with the doctor and for the medicines,
how to make a request for the claim for reimbursement and how to find some
useful information on the web page of Cigna.
You have to know that EVS is working with Cigna of Belgium, not of Spain. It’s not a big problem, but it may confuse you if you will come to a clinic for the first time.
Okay! Firstly we have to enter to the account here using your personal reference number and password:
Perfect!
Like this looks the home page where you can find almost all useful information:
Now go to
“My plan” to download your Membership card and other useful documents.
Read it
properly. Membership card is an important document. It’s not really powerful
document, it does not let you go for free in any clinic but it’s your ID in
CIGNA in all clinics. It is better to print it and to laminate (as I did). Like
this you can always have it in your wallet and show it when it is necessary.
So, what to
do if you have some problems with your health during your EVS?
Now you have to call this clinic to make an appointment with the doctor. It is better to make this appointment for the next week, not earlier.
So why do you have to make this appointment beforehand? You have two options to pay for your appointment:
- you’re paying by yourself and then you send a claim for reimbursement to Cigna, and you’ll have your money approximately in one or two weeks. (In this case you don’t need to make an appointment beforehand)
- or if you don’t have so much money you send a request to Cigna for the guaranty of direct payment.
What is the guaranty of direct payment? It is a document from Cigna which allows you to come on the specific day and to have a treatment like as you would pay for it. The difference between self-paying and guaranty of payment is that you don’t pay when you have a guaranty. Cigna directly pays for your treatment to the clinic.
How to make
this guaranty? Also, enter to the Cigna web page with your account; find “Contact”
and “Request a Guaranty of Payment”:
So you
clicked to “Request a Guaranty of Payment” and you see this:
You fill in all these fields, and now – the most important. You can receive guaranty of payment JUST if the cost of the treatment
is more than 200 euros. Otherwise you have to pay it yourself and then Cigna refund
your expenses. So make sure how much will cost your meeting with the doctor
(mine was more 200 euros).
If you will put in field with the cost “I don’t know how much the treatment will cost” or a cost which is less than 200 euros – you’ll receive a mail with a reject of guaranty.
If everything is good and correct, you’ll receive your guaranty in 3-5 days (that’s why I told you to make an appointment with a doctor not earlier that one week before) and you will have a meeting with your doctor.
But it is not the end. When you are done with the doctor – you have a medical prescription. So in this case there is just one option – you have to buy it, there is no guaranties for buying medicine. If the price is too high you can ask for your organization to cover it, and then they’ll receive the reimbursement. So imagine that we have already bought all medicine. What to do? And again we go to the Cigna web page and now we are looking for “Claims” and then “Claim online” (if you want you can submit your claim by post):
Fill in all
mandatory fields and the payment method. If you still don’t have your card
information in your profile – fill it out:
And one more important moment – make sure that your card is able to receive euros. Because I had to open new Internet-card in my bank to receive my reimbursement.
And finish your claim – put the prices of all medicines, upload scans of the bills, scans of diagnosis, medical prescription and everything which you consider as relevant information:
And now you
have to wait until your claim will be processed.
Good luck!
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