Is there a time limit for submission of claims?
A. Yes – to be considered, a claim must be submitted within 3 years after the claim event has occurred in case of NHC Global Private policies and within 1 year in case of NHC Global Corporate policies. Q. What is a claim event? A. Occurrence of a claim event is marked by diagnosis of illness/injury or commencement of treatment. Q. How can I claim in the US or Canada? A. Unless you have paid an agreed premium loading, the insurance will only cover acute illness or injury sustained during your travel in North America. The claims may be submitted to Northern Lights, Nordic or the Euro-Center in New York, USA. Q. What is the loading for NHC Global Private or Hospital plans for the right to go to Canada or the US for treatment A. For Hong Kong residents, the loading is 30% additional and for residents living outside the US, Canada or Germany, the loading is 50% Q. Can I claim if I want to relocate to USA or Canada? A. In case of relocation to USA or Canada, you must inform Northern Lights o
