If you have been hospitalised, you will need to report the admission to AG Insurance, ideally in advance:

• Is it for an overnight hospitalisation, see "An overnight hospitalisation."​
• for a one-day hospitalisation, see "One-day hospitalisation."
• or a hospital stay abroad, see "Hospitalisation abroad."​

Already reported your hospital admission? Then skip to Step 2.

Report your illness to AG Insurance. You can easily do so online. Our medical department will then request your medical file including the diagnosis, the date of diagnosis and the recommended course of treatment.

You already have a medical file? Then skip to Step 2.​

• ​Pre-admission

  You can use your hospitalisation insurance to claim back your medical expenses – such as pharmacy purchases and doctors’ appointments – within a pre-set period prior to your hospital admission (generally one or two months). The exact period will be stipulated in the Special Terms of your policy. Not sure how long you have? If your coverage is through your employer, you can always log in to My Global Benefits or check with your HR department. ​​

• During your hospital stay

  It goes without saying that your hospital plan covers your hospital bill. If your plan comes with Medi-Assistance, our third-party payer agreement, your hospital bill will be sent to AG Insurance and settled with the hospital directly. You will then receive an account statement at a later date: any non-covered costs will be deducted from your refund for pre-admission/post-discharge medical expenses. If you don't have Medi-Assistance, you'll receive the hospital bill by ordinary mail which you can then send to us for a refund along with proof of payment for other medical expenses.

• Post-discharge

  In addition to pre-admission coverage, you can also claim back the cost of medical treatment to support a speedy recovery following an inpatient stay. Your hospitalisation insurance will refund your medical expenses for a pre-set period once you’ve been discharged. This period will vary depending on your policy (generally two or six months). To be sure how long you have, it’s best to review the Special Terms of your policy or, if you have corporate-sponsored coverage, you can log in to My Global Benefits or check with your HR department.

Be sure to save all hospital bills, doctors' bills and pharmacy receipts!

Tip: For your convenience, your Sickness Fund can provide you with a statement of all medical expenses incurred.

Recently been to see your doctor, the dentist or another specialist? Or loaded up on prescribed medication to fight off the flu? When these expenses are unrelated to a hospital stay, your hospitalisation plan will not cover the costs. You are, however, entitled to a refund through your outpatient care plan. If your corporate-sponsored healthcare plan also includes outpatient of coverage, you can claim a refund for your medical expenses year-round.

Have a corporate-sponsored plan that includes outpatient care coverage? If so, then you can send in your medical expenses year-round for reimbursement.

Please note: medical expenses for the treatment of a serious illness (eg. cancer) are reimbursed throughout the year by your classic hospitalisation plan, even without hospital admission or outpatient care coverage. Be sure to save all hospital bills, doctors' bills and pharmacy receipts!

Rather send in your expenses by ordinary mail?

Feel free to combine multiple bills and receipts in a single envelope. Please also return the completed claim form below.

​​Haven't yet reported your hospital stay to AG Insurance?

Fill out this document and attach it to the web form or letter you send us.

Once your medical expenses have been processed, your account administrator will issue you an account statement. This way, you can quickly and easily see which costs are covered and which are not.