Making a claim Archives

Making a claim on your Health insurance is not a complex process.

Each insurer will provide you with details on how to do it and with the advancement of technology, this is becoming easier.

Claims can often be made online, via a mobile phone app or by telephone.

You may need a GP referral before you can pre-authorise your treatment.

Most UK insurers will allow you to self-refer for musculoskeletal claims.

If you make a claim this will likely affect your renewal premium.

Your insurer will not discuss your medical conditions with anyone else because of protecting your personal data. You can give authorisation for a third party to speak on your behalf.

How private health insurance works

As the uptake in UK private health insurance is increasing, you may wonder how health insurance works? If you are new to health insurance, let us help you understand how it works in practical terms. It is important to remember that health insurance (also known as PMI) does not replace the NHS. Health insurance works alongside the NHS and the premium you pay will dictate the benefits and cover you receive. If you want to be able to have access to private treatment for everything, then you will need to buy a fully comprehensive policy. You may even need to…

Is your health insurance offering you a guided option?

Over recent years most of the health insurance providers in the UK have introduced treatment pathways for musculoskeletal conditions. These have worked well, allowing the insured member to call the insurance company directly for any claims relating to aches and pains affecting the joints, bones and muscles. This saves time in waiting for a GP appointment and can get you treated far quicker.

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.

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…