How do I make a medical insurance claim?

Making a Private Medical Insurance claim starts off the same as a request for NHS treatment. When you feel unwell or in pain, or your illness starts to show symptoms, you will first make an appointment with your NHS GP. It’s wise to do this as soon as possible, as this is the only part of the process where you’ll be subject to any delays.

Your insurance company will require a letter of referral from a doctor, which will detail your symptoms and medical history. This letter is usually written by your local GP, although some insurance companies have a specialist list of consultants. It’s wise to check your policy. You’ll also need to find out if your insurance policy covers your condition, and you’ll need to contact your insurer to tell them you’ve been referred for treatment

Once you’ve seen a specialist and he’s determined what treatment you will need, he will have to sign a claim form. Although theoretically any doctor could sign this form, the specialist who gives you treatment is best placed to fill in this form, because he has knowledge of your condition and treatment. This makes it easy for your insurance company to determine exactly how much they need to pay out.

The whole process is very simple and straightforward. The medical professionals providing your care handle all of the complexities. All you have to worry about is receiving your treatment and getting better.