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Hot Topics
- What Are The Different Levels Of Cover Available To Me?
- Different insurance companies word their types of cover in different ways, however here we should be able to give you a good idea of the basics.
- What Does The Term ‘in-patient' Mean?
- This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
- What Does The Term ‘day-patient' Mean?
- This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.
- Who Do I Ask For Advice On Where To Buy My Private Medical Insurance?
- When you are looking for private medical insurance it is well worth doing thorough research – not only to get the cheapest deal but to make sure that PMI is right for you.
- Does It Make Any Difference if I Buy My Private Medical Insurance Through a Broker?
- The Association of British Insurers (ABI) claims that in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance companies.
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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