A health insurance claim should be a straightforward process. We’ve written this simple step-by-step guide to help take you through the process:
To start with you should read your policy document – not all health insurance providers will adopt the same claims process and these may vary. It’s also worth checking the insurance firm’s website to check for specific guidance.
Talk to your GP about your health condition – just as you normally would. Your GP will be able to refer you for private treatment via an open referral (where the GP does not address a specific specialist or consultant) or a named referral (a specific specialist or consultant). It’s important to read the terms and conditions of your policy so that you understand what the insurer will be looking for with regards to referrals.
Call your health insurance provider’s claims team – making sure you have the following information to hand:
Should your specialist arrange treatment or surgery for a diagnosed condition you should call your health insurance provider and notify them of the following:
Most specialists should send the bills directly to the insurer, however, if you receive one at home, then either ask them to send a copy to your insurer or you can send it on to the relevant Insurer bill payment team.
We have included the details of our insurers below showing claims contact details and billing information: