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Making claims
All insurance companies will pay valid claims, it is
in their interest to do so. They will not pay invalid
or fraudulent claims or claims which are outside the
cover your particular plan might offer. It is always
better if treatment is needed, to contact your insurer's
client service department who will quickly guide you
with advice and support for claim administration, which
hospitals are to be used, specialist help etc. Some
insurers pre- authorise all claims so that you do not
have to pay doctors and hospital bills but leave all
settlement to the insurance company itself. If companies
do not pre-authorise, then original bills will be requested
with a claim form submission.
Most insurance providers will send a client 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, meaning
that you must contact their help lines before seeking
treatment and incurring costs. Out-patient costs are
usually dealt by routine Claim Forms (i.e. you pay first).
If in doubt always call the help lines before seeking
treatment and committing yourself to costs.
Normally it takes around ten working days from the
date the insurer receives all the necessary documents.
