UnitedHealthCare

what's Free-to-claim?

Free-to-claim Plan is a new service system designed by the uniteCare health insurance and cross-border payment service platform for overseas policyholders. This plan aims to address various difficulties that policyholders may encounter when making claims with insurance companies while living, studying, or traveling overseas. The policyholder who purchases this plan will receive full process manual claims assistance provided by the platform, including contacting the insurance company, collecting claim materials, submitting compliance documents, reviewing vouchers, and following up on the receipt of funds.

What are the features of the “Claims Free” program?

Unlimited number and type of claims

Unlimited number and type of claims Unlimited number and type of claims during the service period.

Consultant follow-up

After purchasing the Claims Free Service Plan, professional consultants will be arranged to serve you throughout the whole process.

Provision of professional advice

Provide reasonable and professional advice on policyholders' claims.

Assistance in the collection of materials

Assisting policyholders in collecting claim documents required by the Department of Insurance, such as medical records, etc.

Follow-up on the arrival of funds

Closely monitor the policyholder's account movements and follow up on the closure of claims.

Completion of material submission

Helping the insured to submit documents in the manner prescribed by the Department of Insurance.

Four Service Benefits of the Claims-Free Program

Professional guidance

One-on-one claims guidance provided by experienced consultants to minimize the time and effort consumed by policyholders in the claims process.

Efficient claims settlement

With professional knowledge and experience, we help policyholders to increase the rate of successful claims filing.

Comprehensive protection

The Claims-Free Programcovers a wide range of scenarios such as living, studying and visiting overseas, providing comprehensive protection for the insured.

The customer reigns supreme

Putting the legitimate rights and interests of policyholders in the first place and optimizing the service process based on customer needs.

One-click purchase, with a straightforward operation process

1.Select an insurance plan

2.Check free-to-claim plan

3.Pay the fee

5.Contact the consultant

Relevant clause

一、Service Scope

  • This service is only applicable to the current policy;
  • This service is only available to policyholders;
  • Assist the policyholder manually in completing all claims procedures specified by various insurance companies until the claim fees are paid to the policyholder's account;
  • The service duration shall be consistent with the actual purchased policy duration, and any additional duration shall require the purchase of a new plan;
  • During the service period, there is no limit to the number or types of claims assistance services provided;
  • The platform has the right to refuse to provide claims assistance services for claims that do not comply with the insurance company's regulations;
  • Any claims event must provide relevant information, documents, etc. as required by the insurance company;

二、Disclaimer of interest

  • The platform does not assume any responsibility or obligation for any claims failure caused by non compliant claims, missing documents, policy restrictions of the insurance company, or restrictions of relevant national laws and regulations;
  • The platform shall not be held responsible for any claims failure or claims amount not meeting expectations caused by personal reasons of the policyholder;
  • The platform shall not assume any responsibility or fulfill any obligation for any third-party issues, losses, or legal risks caused by any claims event;
  • The policyholder must strictly comply with the regulations of the insurance company and the laws and regulations of the place of insurance when making claims. Any falsification of materials, insurance fraud, or other behavior will result in the platform having the right to refuse service and take legal action against such behavior;

三、Fee Policy

  • For insurance products in Australia and New Zealand, this service is charged at 8% of the actual policy value. Service fees below AU $150 will be charged uniformly at AUD $150.
  • For insurance products in other regions, this service is charged at 5% of the actual policy value. Service fees below $100 will be charged uniformly at $100.

四、Refund Policy

  • If the policy is not effective, a full refund can be issued along with the policy;
  • If the policy is already in effect, refunds cannot be issued;
  • This plan cannot independently apply for refunds;