What documents do I need to use my major medical insurance in Mexico?

Submitting documents to process their major medical expenses insurance.

Having the correct documents on hand is essential for using your major medical insurance efficiently and effectively. Whether in an emergency or for a scheduled treatment, submitting the right paperwork helps ensure the insurer covers the appropriate expenses according to your policy.

Basic Required Documents

1. Insurance certificate or ID card

   To report a claim to the insurer, you will be asked for your policy number.

2. Official identification (INE or passport)

   To confirm your identity as the insured.

3. "Aviso de accidente o enfermedad" (Accident or illness notice)

   A document completed and signed by the primary insured and the affected person (if a spouse or dependent).

4. "Informe médico" (Medical Report)

   Explains the diagnosis, treatment, progress, and medical justification. Must be completed and signed by the treating physician.

5. Test and lab results

   Includes lab tests, imaging, X-rays, etc.

6. Expense receipts (in case of reimbursement)

   Original invoices and receipts in the name of the insured.

7. Bank transfer request form (in case of reimbursement)

   A document where you specify the bank account number to receive the deposit.

8. Bank statement (in case of reimbursement)

   So the insurer can deposit the approved payments.

Common Mistakes to Avoid

• Not submitting complete documentation. For example:

  • Omitting medical tests that support the treatment.

  • Requesting reimbursement without including a bank statement.

  • Submitting invoices with incorrect names or missing tax requirements.

Recommendations

• Keep both a digital and printed folder with your basic documents.

• For reimbursements, request the hospital to issue invoices with the correct details from the beginning.

• If the treatment is outpatient, ask your doctor to provide the completed and signed "Informe Médico" (medical report).

At Sáas, we have a team of consultants who can guide you through the process of contracting and using your policy.