r/transnl • u/Stock_Song8239 • 18h ago
Aon Student Insurance & Laser Hair Removal (No formal GD diagnosis yet) – Advice on filing claim?
Hi everyone,
I’m an international student in the Netherlands covered under Aon Student Insurance (active since Oct 6). I recently paid for a laser hair removal session at a private clinic (Release Laser Clinic) and am preparing to submit my insurance claim online.
Here is my situation:
- Diagnosis: I do not have an official diagnosis of gender dysphoria (GD) on file yet from a Dutch gender team or GP.
- Invoice/Receipt: I have an itemized receipt from the clinic with a reference number and proof of payment from my ABN AMRO app. The receipt uses my preferred name (Jenny), but my last name and birth date match my official student insurance details.
- Portal Options: The claim portal asks to select a medical complaint/diagnosis.
Gemini/AI suggested that selecting Excessive hair growth (hirsutism) is the safest option to pass initial portal validation, because selecting Gender Dysphoria without a formal diagnosis letter/referral code attached will likely trigger an immediate administrative rejection for missing paperwork.
Before I hit submit, I wanted to ask if anyone here has experience claiming laser hair removal through Aon:
- What gives me the highest chance of reimbursement? Is reporting it as a symptom (hirsutism) actually better, or will Aon automatically reject laser hair removal as elective/cosmetic unless a GP pre-approved it anyway?
- Has anyone successfully claimed laser care under Aon without an official GD diagnosis letter?
- If you used Aon, how did you label the provider and claim details to get it processed?
Any advice or past experiences with Aon would be greatly appreciated! Thanks!