About Your Health Cover
1. What does my health insurance cover?
Your cover depends on the plan you have selected. It may include:
- Doctor consultations
- Medication and pharmacy expenses
- Lab tests and diagnostics
- Hospitalisation (planned & emergency)
- Overseas treatment (if applicable)
You can check your exact benefits via Eagle Health app.
2. Who manages my health insurance?
Your health insurance is provided by Eagle Insurance under 2 main products, CarePlus and Discovery Health and administered by Medscheme (Mtius) Ltd, a specialised medical administrator managing healthcare benefits in Mauritius.
3. Download the Eagle Insurance App
Manage your health insurance anytime, anywhere with quick access to essential services.
With the app, you can:
- Submit and track claims
- Access your policy documents
- Update your profile
- Receive real-time notifications
- Locate PayLess providers
Download the Eagle Insurance App today on the App Store, Google Play, or Huawei AppGallery.
Using Your Cover (PayLess & Network)
4. How does the PayLess option work?
With PayLess, you don’t need to pay the full bill upfront:
- Present your membership card at a partner provider
- The bill is processed directly
- You only pay the remaining balance (if any
- Available at selected pharmacies, labs, and opticians.
5. Where can I use my insurance?
You can access a wide network of:
- Clinics and private hospitals
- Pharmacies
- Laboratories
- Opticians
Claims & Reimbursements
6. How do I submit a claim?
You have the below options:
Mobile app (Snap & Send) – take a photo and submit instantly
Online portal – upload your documents
Physical submission – if required
Claims can be submitted digitally for faster processing.
7. How long does reimbursement take?
Once approved:
Payments are processed via bank transfer or cheque
You are notified once your claim is paid
8. Can I track my claims?
Yes — via your member portal, you can:
Track claim status
View payments
Check remaining benefits
Hospitalisation & Emergencies
9. What should I do for planned treatment?
- Notify Medscheme before treatment
- Submit medical report + cost estimate
- Wait for approval
- Proceed with treatment
- Confirmation is typically provided within a few working days.
10. What happens in an emergency?
- Present your insurance card at the hospital
- The medical provider will contact the administrator
- Treatment proceeds immediately
- Your safety comes first.
Overseas Treatment
11. Can I get treated abroad?
For CarePlus members
- Yes, if treatment is not available locally:
You may be referred to centres in places like Reunion, South Africa, or India
Prior approval is required before travelling
For Discovery Health members
- Yes, Notify Medscheme before treatment
Prior approval is required before travelling
Support & Assistance
12. How can I get help?
Our website may contain links to other websites, apps, content, services or resources on the internet which are operated by subsidiaries and affiliates of IBL or third parties. If you access other websites, apps, content, services or resources using the links provided, please be aware they may have their own privacy policy, and we do not accept any responsibility or liability for these policies or for any personal
data which may be collected through these sites. Please check these policies before you submit any personal information to these other websites.
Tips for Members
- Always keep your medical card with you
- Keep original documents for claims
- Check your benefits before treatment
- Use the app for faster service
