What are the procedures to follow for medical treatment at a doctor or hospital within the Schengen zone in the event of a claim?

For every claim – including emergencies – you will need your policy number, which can be found on the insurance confirmation (insurance policy) you received after booking. For outpatient treatment at a doctor's office, you do not need to present an insurance card, as you will pay upfront as a private self-paying patient and subsequently submit the receipts for the medical costs. For inpatient treatment in a hospital, billing occurs directly between the hospital and the 24/7 emergency center, which you must contact at the beginning of your hospital stay.

• Only acute emergencies – generally inpatient hospital stays – require immediate contact with the emergency service. For inpatient treatments, billing is handled directly between the emergency center and the hospital. You can reach the emergency center at the following telephone number: 0049-40-55557877.
• Non-emergency claims, usually involving outpatient treatment at a doctor's office or hospital, do not need to be reported immediately and can be submitted after the treatment is completed.

For outpatient care, please submit your claim only after all treatments are finished and the bills have been settled. Your submission should include the following documents:

• Medical documents including diagnosis, treatments administered, and prescriptions
• Medical bill detailing the treatments provided
• Proof of payment for the medical costs incurred by you
• Proof of entry into Europe
• Your bank details

You can submit medical treatment receipts up to 3 years after the claim occurred. You can report your claim via the claims portal:
 

Submit a Schengen health insurance claim