How to File a Claim with Ansel

Laura Cave
September 13, 2021

Your Ansel supplemental health insurance plan is designed to pay you cash benefits if you're diagnosed with any of 13,000+ medical conditions. One of our top priorities has been to make it easy for you to file a claim and get paid quickly. If you haven't filed a supplemental health insurance claim before, you're not alone. Here's a step by step guide to file your Ansel claim in minutes and collect your cash benefits within hours of approval.

But before we get to that, let's cover why filing and claim is necessary and when to file one.

Why file a claim?

If you haven't had supplemental health insurance before, you might be asking, "What is a claim and why do I have to file one?" Great question.

With your primary health insurance, your doctor's office files a claim with your insurance company behind the scenes, but supplemental health insurance is different. We need you to let us know when you have a medical diagnosis so that we can evaluate whether or not you're qualified to receive a benefit. Your claim is simply the process of letting us know what happened and providing some documentation as evidence to show us your medical diagnosis. If you have a health issue but you don't file a claim, you might miss out on cash benefits that you're entitled to receive.

When can I file a Ansel claim? 

With Ansel, you can file your claim as soon as you're diagnosed. You can even file online or via the mobile app on your smartphone before you leave your doctor's office. All you need are photos of your paperwork and other items that show us the diagnosis you received. That might include discharge paperwork, lab tests, imaging, a hospital wristband, or even a photo of your cast. You don't need to wait for your insurance company to send you a bill or an Explanation of Benefits.

File a claim whenever you think you may have a condition that Ansel covers. You should know that Ansel doesn't cover mild conditions like colds, strep throat, or UTIs. While these are uncomfortable, they're unlikely to run up bills that break the bank. Ansel covers moderate conditions like concussions, broken bones, and dehydration and more serious conditions that require urgent medical attention. When it doubt, it's always a good idea to file a claim so we can determine if you're owed a cash benefit.

The good news is there are no accident or hospitalization requirements to receive a benefit from your Ansel policy, and we don't exclude pre-existing conditions.

How to file a claim with Ansel—

If you've had a medical diagnosis that you think might qualify for a cash benefit, here's a step by step guide to file a claim.

  1. Gather your claims evidence. Take pictures with your smartphone of any paperwork you received while you were getting care. We're looking for pictures of prescriptions, discharge paperwork, receipts, etc. You will be asked to upload these photos when you submit your claim.  
  2. Next, log in to your Ansel account or open the Ansel mobile app. You can use a computer or a mobile phone to file a claim online. If you've never set a password and logged in before, open your browser and visit Select the option to Register to set up your online account and log in. After you've created a password, you'll be able to log in and file a claim online or via the Ansel mobile app.
  3. Select the option to file a new claim. You'll answer four questions to tell us what happened and securely upload 2-4 photos of evidence to support your claim. You'll see a detailed list of all the types of evidence we accept.
  4. Select an e-payment option for faster payment. Get your cash benefits faster by choosing payment by PayPal, Venmo, or direct deposit to your bank account. Otherwise, we can mail you a paper check.

That's all you have to do! Your Ansel Concierge will reach out if we need more information to complete processing your claim. We'll also reach out to you to let you know whether the claim was approved for payment or not. We will be available to answer questions so you understand our decision.

Claims are at the heart of Ansel

Historically, too many Americans have had a confusing and inconvenient experience filing a claim, and this has broken consumer trust with the entire industry.

We built Ansel to be a better option and to stand in the gap for the millions of American families who are exposed to medical expenses when health issues arise. We hope to earn your trust with a convenient claims process that’s easy to use and delivers on our promise to pay cash quickly whenever you’re sick or injured with a covered condition.

If you're lost or stuck, don't hesitate to reach out to your Concierge at (888) 300-5382 or email We're available Monday to Friday from 8am-8pm ET.