Do I need a health insurance claim number prior to having treatment?

It is often very daunting going into hospital, and little things like claims numbers and authorisation numbers often slip a patients mind. Most private hospitals need to have a claim number prior to a patient having treatment. Some however, don’t ask the patient to provide this until after they have had their treatment. But usually you are asked to fill out a form on the day of your procedure, and the for will ask all sorts of different questions including.

•   The provider of your insurance (the name of your insurance company).
•   Your policy reference number or membership number.
•   Your claim authorisation number (you will usually have to ring up your insurance company, prior to having your treatment for this).
•   The number of sessions you are authorised to treat under this claim number.
•   Plus you need to provide details of any policy excess, as this is usually payable on the day.

Some private hospitals will allow you to settle up financially for the treatment on the day, and they will then provide you with an invoice and statement to say that you have paid in order for your to be reimbursed by your health insurance provider.

If you are still unsure as to what you need to take on the day, then it is always advisable to ring your insurance provider before attending hospital. There are some treatments which aren’t covered by your private medical insurance, so it is best to check out that you are covered insurance wise prior to the appointment to save any embarrassment on the day.

Check out your health insurers website to find out more information about policy excess, treatments which you are eligible for and more details about health insurance and related products.