How do I submit a health insurance claim such as a Life or Disability claim?

Your Kibono Health Spending Account – HSA – is only for routine Drug, Dental, Optical and Medical claims. Kibono is only a benefits administration company and therefore do not underwrite any catastrophic related policies or contracts. Any insurance-related claims must be sent directly to the insurer that Kibono has set you up with. The insurer will review and process your claim according to their policies and procedures.