Hot Topics

Can I Choose The Hospital For Treatment?: When you first sign up for your policy you will choose the hospital that you wish to be treated at. It's up to you to make sure that the hospital has a good reputation, is at a convenient distance, and offers good all-round services.
Will My Premiums Increase As I Get Older?: Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
What Details Will I Need To Provide To Prove My Health?: When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.
Do Insurers Have a Money-Back Guarantee?: If you decide that you don't want to take out your private medical insurance policy, most insurers offer a money-back guarantee.

How Do I Make a Claim?

When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

Many insurers now pre-authorise any in-patient treatment, this means that you must contact them before seeking treatment and incurring costs. They will then advise and support you on claim administration, which hospitals are to be used, specialist help etc.

If you are making a claim for out-patient treatment, you normally pay first and then make a claim afterwards using a routine claim form.

When you make a claim the administration will usually take around ten working days from the date the insurer receives all the necessary documents.

If in doubt - always ring your insurer first before seeking treatment and committing yourself to costs.

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