Reimbursements
Most trips do not produce an air ambulance. They produce a pharmacy receipt.
The highest-volume claim type in consumer travel insurance, handled properly rather than as an exception to the cashless path.
- Total
- Computed from lines
- Reduction
- Reason required
- Currency conversion
- Never
- Settles when
- A payment naming it is confirmed
The problem
Out-of-pocket claims get handled in spreadsheets and email, so the traveller is told a number with no line-level explanation behind it — which is how a reimbursement becomes a complaint.
What it does
Reimbursements, in practice.
Totals you cannot type
Receipts are keyed as lines and the request total is computed from them. A typed total is a total that will eventually disagree with the receipts behind it.
Decided line by line
Each line is approved, reduced or denied on its own. The approved total follows the lines, and the outcome — approved, partially approved, rejected — follows from the decisions rather than being chosen separately.
Paid through a real settlement
A reimbursement payment names the request it discharges, so the money and the adjudication are the same file. The request settles when the payment is confirmed.
Overpayment refused, underpayment allowed
The approved amount is a ceiling somebody adjudicated against receipts and stood behind. Paying above it is money leaving with no decision behind it, and it is unrecoverable in practice — the traveller has it, and getting it back is a demand to a consumer in another country. Paying less is ordinary: transfers get split, a tranche goes out while a receipt is chased.
Rules that are not obvious
Why it behaves this way.
Each of these is a decision with a cost behind it. They are the difference between software that records what happened and software you can defend in an audit.
Reducing a line requires a reason.
A traveller told they are owed less than they claimed, without being told why, is a complaint — in most regimes one with a statutory clock attached.
The ceiling is measured against everything already committed.
Two payments of 500 against an approved 750 each pass on their own. Only the running total shows the hole.
A payment in a different currency to the request is refused.
Converting here would invent a figure nobody adjudicated. There is no rate that makes a euro settlement against a baht request into a decision somebody made.
Paying a request that is already settled is refused with its own message.
It is the specific mistake that pays a traveller twice, and the one a stale screen produces.
Works with
The modules next to this one.
Claims
The financial file for a case: collection, scrubbing, audit, adjudication — with an appeal path that keeps the history attached.
ExploreSettlements & EOB
The disbursement and the closing statement — four-eyes approval, exactly one payee, and totals frozen at issue.
ExploreCase management
Every assistance case from the first call to closure — patient, trip, clinical picture, transport legs and one timeline that holds all of it.
Explore
See it against one of your own files.
The fastest way to judge CareTrack is to walk a real case through it — intake, guarantee, charges, adjudication, settlement, statement. Bring one and we will do exactly that.
Or email contact@sthiramtechnologies.com