How do I make a claim on my health insurance policy?

Making a claim on health insurance couldn’t be easier, but there are some things that you should bear in mind before making that all important claim. It is quite a straightforward process, but it is worth remembering that every private medical insurance policy is different.

•   Firstly you need to visit your doctor/GP, if they then refer you for further treatment or for a consultation, then mention that you have private medical insurance.
•   If it is decided that you do need to see a consultant then ask your doctor to refer you to one which is recognised under your private medical insurer. The same would apply for if you are needing to see a complimentary medicine practitioner or a therapist.
•   It is worth knowing that not all hospitals are covered for certain in-patient treatments under certain health insurers. Which means that if you were wanting to have treatment at a certain hospital, then you may find that they are not included in your medical insurance. Some private health insurers only approve a certain number of hospitals for in-patient treatment, so you need to check this out before claiming.
•   The next thing you need to do is ring your health insurer and they will the confirm as to whether your complimentary medicine practitioner, therapist or consultant is recognised by themselves.
•   You also need to confirm as to whether or not your proposed treatment is covered by your insurance policy.
•   Usually you will then need to fill in a claim form.

If you do have any other questions at this point then it is well worth asking them.

When you see your complimentary medicine practitioner, consultant or therapist you will usually need to provide your membership number and your claim number in order to get the treatment you are needing.