To get money back for medical costs you paid, make a claim in your SafetyWing dashboard or app within 180 days of your treatment. You always need three documents: the final, fully paid itemised invoice, proof of payment, and a medical report on letterhead. SafetyWing pays approved claims by bank transfer. This applies to SafetyWing Remote Health, Community Plan 5.0, plan year from 1 October 2026.
Important: SafetyWing must receive your claim within 180 days of the date of your treatment. Claims received after 180 days are not covered.
Documents every SafetyWing claim needs
Every SafetyWing Remote Health claim needs these three documents:
The final, fully paid itemised invoice: a list of each service with its date and cost. An estimate or a quote is not accepted.
Proof of payment: for example a card receipt, an invoice stamped as paid or showing a zero balance, or a bank statement that shows the payment.
A medical report on the doctor's or hospital's letterhead: it shows the reason for your visit, the diagnosis and the treatment. Send one report for each invoice.
Also add these documents if they apply:
a prescription, for medicines
test results
a police or accident report, if the claim is for an accident
Make sure the total you claim matches the total of your invoices. If you have other health insurance, say so in your claim.
How to make a SafetyWing claim
Log in to your SafetyWing dashboard at safetywing.com/login, or open the SafetyWing app.
Start a new claim and fill in the details of your treatment.
Upload your documents.
Submit your claim. SafetyWing sends you an email to confirm it has your claim.
Make a separate claim for each covered person and for each event. If you have new costs linked to an earlier claim, make a new claim and add a note that it relates to the earlier claim.
If SafetyWing asks for more documents
SafetyWing emails you with [Action required], and the claim shows Action required in your dashboard. Upload the documents to that claim in your dashboard. If the upload does not work, email the documents to [email protected] with your policy ID and claim ID.
Send everything SafetyWing asks for within 90 days of its first request. If you do not, the claim will not go ahead.
How and when SafetyWing pays you
Under the SafetyWing Remote Health policy, reimbursement takes 15 business days once SafetyWing has all the information it needs.
SafetyWing pays approved claims by bank transfer. The payment shows on your bank statement as RH plus a reference number. Your bank may charge a fee to receive the money or to change the currency. You pay these bank fees.
If your SafetyWing claim is not approved
SafetyWing sends you an email that explains the decision. You can reply to that email with questions.
To appeal, send a letter to [email protected] within 90 days of the decision. Include all the relevant information and copies of the documents that support your appeal. SafetyWing replies in writing within 30 days of receiving your complete appeal.
If you still disagree and have new documents, you can ask for a second and final review within 10 days of that reply.
Who to contact
Questions about a claim: email [email protected] with your policy ID and claim ID.
Appeals: send your letter to [email protected].
Other questions about your plan: SafetyWing live chat, in your dashboard or on safetywing.com.
Changes to your cover, such as adding a dependent: contact your HR Manager.
This article is general information, not your full policy. You can see your coverage details in your SafetyWing dashboard.