Health insurance documentation varies the world over. Making it understandable in someone’s native tongue is a challenge, so translating it needs to be done with a great deal of expertise and finesse because these claims are affecting people’s lives.
At LinguaLinx, we know that, all too often, this is a stressful time for claimants. We understand the importance you, as a health insurance company, place on your customers clearly understanding what they’re reading and where they are in their claims.
We’ve dealt with a wide range of health insurance documentation in various circumstances. Sometimes we’re working with health insurance providers from the outset and guiding them through these difficult translations, and sometimes we’re picking up the pieces from translations that weren’t done by expert linguists with experience in the health insurance field.
In this article, we’ll look at the documents we see that commonly need to be translated by our health insurance clients.
Most Common Health Insurance Documents to Translate
1. Health Insurance Provider Contracts
It’s important that those people taking out an insurance policy with you fully understand the contract they’re signing.
Providing these contracts in your customer’s mother tongue will help with any issues of misrepresentation, or misunderstanding, should you have to field a claim made by a customer.
2. Police Reports
This is a written document that outlines the police’s official view of what happened during an accident step by step. It is compiled by the police talking to all parties involved, including witnesses and first responders, and taking statements from them.
Added to this are the results of any tests or procedures that might take further time to produce, such as drug and alcohol tests. Obviously, these reports will be in the official language of the country where the incident occurred.
3. Accident Reports
Many accidents that result in insurance claims will never get to the point of needing police attention. These could be slips, falls, burns, or similar incidents in hotels, restaurants, tourist attractions, or other venues.
For these, there should be an accident reporting process that the company that owns the venue will have to go through. A health insurance provider is going to need this documentation, accurately translated, to pursue a claim.
4. Medical Reports
Medical reports prove what injuries you sustained during an accident. They are necessary for any personal injury claim.
They also look at a person’s life and see how the injury will affect that person as they move forward.
It takes into account their work life, personal life, the treatment they’ll need to get back to where they were before the accident (if this is possible), and how long this is going to take.
5. Coroner Reports
If a death has occurred where the cause is unknown, a coroner will need to get involved. They’ll prepare a report determining the expert view of what caused the death.
This medical view is legally binding and can have wide-ranging implications depending on the conditions of the health insurance.
6. Medical Records
What goes in medical records can vary from country to country, but they typically contain your official medical history.
This includes any medication you’ve been prescribed, visits to your primary care physician (including the nature and outcome of the appointment), referrals to specialists, and treatments undertaken.
Obviously, it’s not a full medical history because it doesn’t include any over-the-counter medicines or alternative therapies.
7. International Legal Proceedings
What needs to be translated to facilitate legal cases can vary from country to country. There are some documents that are common in most cases, however, and they are:
- Birth certificate
- Marriage certificate
- Police records
- Bank statements
- Divorce papers
Where Localization Comes In
Inevitably, there’ll be a lot of contributors to any documents that need translation in a health insurance claim. This can include doctors, law enforcement officers, hotel staff, venue managers, witnesses, other members of the public, and many others.
The language competency of the statements they provide may vary widely.
Having a translation team that not only knows the language, but is skilled in localization and knows the nuances of the culture of those people, could be the difference in getting an accurate view of the situation the claimant went through.
Of course there are a lot of other documents that will be specific to certain types of claims, and documents that support the documents listed above.
Yes, documents, documents, and more documents that need translating which is why it’s worth partnering with a good Language Service Provider (LSP) with health insurance experience to guide you through.
Get A Quote For Your Health Insurance Translation Needs
If you need a partner to help you with your health insurance translation projects, we’d love to sit down and talk with you about it.
Consultations are free and there’s no obligation.
With LinguaLinx, you won't ever have to worry about your message getting lost as it’s translated. You know you're in good hands with our ISO 17100 compliance, twenty years of professional translation experience, and the organizations whose trust we've earned.
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