Insurance claims Archives

When you buy a health insurance policy, the benefits are explained in detail. If you need to use your policy, how does your provider handle your insurance claims?

The type of underwriting you have chosen will make a difference.

Insurance claims are assessed on an individual basis. In many cases you will need a referral from your GP. You could also use a remote GP app.

It is important that you follow the correct method when you register your insurance claims.

What isn’t covered by private medical insurance

When you buy private medical insurance, all insurers are keen to let you know what is covered, however, do they make it clear what isn’t covered by private medical insurance? Yes, you can look through the small print, but do you understand what it means in reality? Personal medical exclusions on your private medical insurance When you buy a policy with full medical underwriting, your insurance provider will issue a certificate. On this certificate, any personal medical exclusions will be shown. The underwriters will have made this decision based on the application form you completed. Your personal medical history and…

Pre-authorise your private medical treatment

By calling the insurers claims department, the experienced claims handler that deals with your call would be able to check your cover and ensure that you have cover available for treatment of this type.

Claims that won’t affect your NCD

f you have a Private Medical Insurance policy which offers a no claims discount (NCD) and you make a claim under your policy, your insurer will reduce the discount for your plan if not protected. There are some claims that you can make that won’t affect your NCD.

Do you need a GP referral to make a health insurance claim?

Some insurers have designed direct access pathways for a number of services, eliminating the need for a GP referral. This means that you can get the treatment you need as soon as you feel you need it.

Health insurance claim problems, can your broker help?

Sometimes this happens through misinformation or lack of detailed clarification from GP and specialists. It is honestly not the insurance company being deliberately uncooperative. We are ready to help you resolve any insurance claim problems with your insurer.

5 Great Reasons you should ask SMP Healthcare Ltd to review your health insurance.

At SMP Healthcare Ltd we pride ourselves on finding the right policies for our clients. By having a detailed conversation in the first instance we find out exactly what you want from your healthcare insurance. Our years in the health insurance sector ensure that we find you a great solution first time.

7 Reasons why you SHOULD use an independent Broker

Independent brokers will have access to a variety of health insurance providers. They will use their expertise on your behalf, providing you with a full market review. Whether you are buying a new policy or renewing your current policy they can source the best product suited for your requirements.

No Claims Discount Explained for Health Insurance

If you are new to health insurance and buy a policy which incorporates a NCD, your premium will have a high level of discount applied to the base premium. This means you will be on one of the top levels of that insurers scale.

Claim correctly on your Private Medical Insurance

It is surprising how many people actually do not know how to make a claim on their Private Medical Insurance and many call us to find out whether they can claim and how to do it. As a specialist broker we offer you this help as part of our service. We also thought it may be a good idea to provide a helpful guideline to enable you to claim correctly on your policy. The claims procedure is always confirmed within your renewal or inception documents and we would recommend that you refer to these for clarification of the terms and…