How to make a claim on your health insurance policy
As soon as you receive a referral letter from your GP, you can speak to your insurer and depending on your cover levels, your claim will be assessed for eligibility. Once approved, you will receive an authorisation code to cover the cost of the investigation or treatment (subject to cover levels). You will not have to sit on a lengthy NHS waiting list for ongoing medical assessment or treatment.
If your condition is diagnosed as chronic your insurer will cover the cost of the initial diagnosis and the cost involved in getting you back to a stable condition. Your insurer will not usually cover the ongoing monitoring of a chronic condition. However, they will usually cover flare ups of a chronic condition.
Depending on your insurer and the options on your policy, you may have to pay an excess at the point of claim.