Insurance & claims — document list, workflow and cautions

The schedule of benefits and exclusions must be rendered line-by-line. This is why we audit the record before any certification step: Certify the full benefits schedule and exclusions, then notarise signatures. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Endorsements are often omitted, breaking the coverage timeline. This is why we audit the record before any certification step: Compile every endorsement in date order and certify the translation. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Abbreviated clinical terms differ from the destination insurer's standard. This is why we audit the record before any certification step: Expand abbreviations to the international standard with annotations in the certified translation. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Each insurer prescribes different wording and field order. This is why we audit the record before any certification step: Map the data to the insurer's form and certify both together. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Official phrasing in the police record must retain the source meaning. This is why we audit the record before any certification step: Translate strictly to the source without added interpretation, then legalise at the MFA. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

The Thai statutory order of heirs needs explanation for the destination. This is why we audit the record before any certification step: Annex an explanation of the heir order with the certified translation and legalisation chain. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

The destination insurer requires a complete certification chain. This is why we audit the record before any certification step: Sequence district certification, certified translation, consular legalisation or Apostille. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Parts and repair line items must retain source units and detail. This is why we audit the record before any certification step: Certify all line items retaining original units and noting the document source. Handled at the start, it costs one review; discovered by the receiving authority, it usually means re-issuing the record and repeating every certification after it.

Not necessarily. Office of Insurance Commission (OIC), Thailand publishes its own requirement, so we read it before preparing the set and match the certification chain to it. Where the requirement is silent, we prepare to the stricter of the two formats so the same set stays usable if the file is later submitted elsewhere. Reference: สำนักงาน คปภ..

Not necessarily. Department of Consular Affairs, Thailand publishes its own requirement, so we read it before preparing the set and match the certification chain to it. Where the requirement is silent, we prepare to the stricter of the two formats so the same set stays usable if the file is later submitted elsewhere. Reference: กรมการกงสุล — นิติกรณ์เอกสาร.

Not necessarily. Insurers in Apostille convention states publishes its own requirement, so we read it before preparing the set and match the certification chain to it. Where the requirement is silent, we prepare to the stricter of the two formats so the same set stays usable if the file is later submitted elsewhere. Reference: HCCH — Apostille Section.

Not necessarily. Australian insurance regulators and insurers publishes its own requirement, so we read it before preparing the set and match the certification chain to it. Where the requirement is silent, we prepare to the stricter of the two formats so the same set stays usable if the file is later submitted elsewhere. Reference: APRA.

You can. The work is the sequencing: 3 steps, each at a different counter with its own opening hours, and a document accepted at one step can still be rejected at the next. If you would rather not manage that, send us the set once and our team runs the whole chain and reports at each step.

Both. Our team has worked on document certification for more than 15 years, and most cases are decided before the first counter visit: which record to request, which office issues it, what order the certifications go in, and whether a step is needed at all. We review your case and tell you what your file is missing before you commit to anything.

Typical working time is 1–2 business days when the policy and claim documents are complete / 1–2 weeks including consular legalisation / 2–4 weeks when fresh medical records or a policy copy must be requested / dependent on the issuing hospital's or insurer's turnaround, excluding the receiving authority's own queue, which we cannot control and never guarantee. We confirm the realistic range for your case after seeing the actual document set.