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What happens if you need treatment?
If for any reason you need treatment, please get in touch with us first. We can then check your cover, talk through any concerns you may have and arrange prior approval*.
Prior approval
We want to make sure things run as smoothly as possible. After all, the last thing you want to worry about when you're not well is filling in forms and paying bills.
That's why we ask you to seek prior approval before going into hospital. It's important that you contact us before receiving treatment, whether you are:
· staying overnight in hospital
· visiting hospital as day-case
· having treatment for cancer
· having advanced imaging, for example magnetic resonance imaging (MRI), computerised tomography (CT) or positron emission tomography (PET).
We can then confirm that your treatment is covered by your plan. Our medically qualified staff can also offer advice and help to make sure you are receiving the most appropriate care.
Prior approval also allows us to be in direct contact with your hospital or clinic, so that we can take care of the bills, while you concentrate on getting well.
When we have been contacted about prior approval, we will send you a pre-authorisation statement. This can also be used as a claim form to send us with the original invoices if you need to pay for any of your treatment. We will also send a pre-authorisation statement to your hospital or clinic, to let them know that your treatment is covered and ask them to send all the bills directly to us.
How does it work?
Please follow these simple steps:
· make sure you take your membership card when you go for treatment
· give your card to the admissions staff when you arrive and ask them to contact us - all the information they need is on the card
· we will confirm whether the treatment you are having is covered and that your membership is in order
· we will arrange direct settlement with them, wherever possible. If you've chosen to pay a deductible, we will collect any amount due from your bank or credit card.
And that's it. You can then relax and have your treatment knowing that we willtake care of the costs for you.
* Your insurer cannot be held responsible for any loss, damage, illness and / or injury that may occur as a result of receiving medical treatment at a hospital or from a medical practitioner, even when we have approved the treatment as being covered under your plan.