Steps to making successful medical claims

Claims Services are provided by MSH International (Canada) Ltd.

1. Claim Form

It is recommend to bring a Claim form with you if you seek medical attention at a doctor's office or walk-in clinic.

Section C regarding the medical service costs claimed must include detail about the condition or symptoms which required medical attention, and if you were given a diagnosis then that information should also be provided.

There is a section called “For Medical Providers Only” where your physician is to indicate if a prescription for medication and/or requisition of diagnostic tests and/or referral to a specialist was made, and add his or her signature. If your physician did not sign your claim form, it is strongly recommended that you ask the doctor or the clinic staff for a copy of your “health record” (also referred to as a patient chart) for each visit you intend to claim. This is because to process a claim the insurance company (MSH International) needs both a copy of medical expense invoices/receipts and information about the reason for seeking medical services and the medical diagnosis.

2. Submit Claim

To process a claim MSH will need your completed claim form, along with all related invoices/bills/receipts and treatment statements. (Detailed invoice with diagnostic code or description of treatments, Dr's Notes, ER Report)

If your claim is under USD $10,000 it may be faxed or emailed to initiate processing, however the original hard copies must be retained by you for a period of 24 months after the claim was incurred. MSH may request copies of the original receipts at any time to validate your reimbursement.

To process a claim of over USD $10,000 MSH must receive your original claim documents in hard copy.

The deadline for submitting claims is 365 days after the date of the medical expense or 90 days after the end of your insurance policy, whichever is earlier.

Tip! Submit all claims as quickly as possible, and before you mail original documents, make copies for your own records.

Send claim forms, and all pertinent documents to:

MSH International (Canada) Ltd.
2900, 605 – 5th Avenue S.W.
Calgary, AB
T2P 3H5

Fax  (403) 265-9425


3. Call

To get authorization for medical procedures, including certain diagnostic tests (such as a CAT scan or MRI) call MSH International (Canada) Ltd. at 1 (403) 538-2364 or toll free within North America at 1 (800) 808-2694. Alternatively, you may send a request for pre-approval of expected medical expenses to

You must call MSH Assistance immediately if you are admitted to a hospital.
Call 1 (800) 808-2694. See the Emergencies page.

4. Read & Ask Questions

For a complete understanding of the procedures and conditions that apply to medical claims, read your policy wording, especially the section called "Procedures Applicable to Medical Claims".

Because the policy wording is a legal document some of the language may be difficult to understand. If you have questions, please contact David Cummings Insurance Services Ltd. or MSH International (Canada) Ltd.