When can I claim benefits from my policy?

You don't have to meet a deductible or pay upfront for your medical services, then wait to get reimbursed, as you normally would with a regular health plan, also called a major medical plan. The fixed-benefit indemnity medical policy pays you the specified benefit amount once your claim is approved.

 

Do be aware, though, that your policy may have a per-incident, yearly, and/or lifetime benefit payout limit.