In Luoyang, the insurer wants extra tests or records. Who pays for that?

[Direct conclusion] 【Usually the claimant pays first. Key points to keep in mind: 1. Where the claim is covered, most policies include the reasonable costs of establishing the extent of the loss; the exact position follows the wording, so confirm before paying.】 Who pays: Asking whether it is reimbursable up front is much easier than claiming it back later. 2. | Item | Borne by | |---|---| | Assessment the insurer requires | usually the insurer | | Copying medical records | claimant, then claimed back | | Tests you chose yourself | usually not covered | | Necessary disability assessment | as the policy says | ◆ Tip: when asked for more documents, ask first whether the cost is covered. 3. We can discuss it with the insurer for you. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Read the coverage and the exclusions before purchasing. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.