For in-patient treatment, most Insurance companies operate a direct-billing facility to any of their contracted hospitals. Costs for treatment at hospitals with which they do not have a billing agreement will require a letter of guarantee which they will provide for any hospital worldwide and will be dealt with on a case-by-case basis.

For Out-patient medical costs, you may need to pay first and then submit a claim. Claims tend to be processed in an average of two weeks, but this may vary from company to company.