Claiming on your health insurance will depend on what type of policy you have. If you have a cash plan it can be as simple as filing in a claim form. If you want to use your health insurance policy you will often need to get authorisation before taking advantage of your policy. Most insurance companies who offer private medical insurance will need you to do so to make sure that you are covered for the treatment that you require. They will require you to provide details of the medical professional that you are going to see and will normally approve within 24 hrs. If it is an emergency there are circumstances when they will agree treatment straight away. When the insurance provider has given the OK for the treatment you can then go ahead and make your appointment. Most insurance companies can recommend a medical practitioner if you do not have one already arranged.
If you are trying to make a claim on a policy which you have had for less then 12 months then the process of claiming can be slightly different. Before authorising any treatment the insurance company need to determine that it was not a pre existing medical condition. BY having a chat with a trained professional and sending in medical records you may be able to clear the matter up quickly. In some circumstances the insurance company may need you to undertake an independent medical examinations. This can be very rare but can happen in circumstances when the medical records do not add up. This may put a stop to ant medical treatment you maybe entitled to as you already had the illness before taking out the insurance policy.
If you have an excess to pay on your health insurance policy you. The way in which you pay your excess will depend on how much it is and how many costs that you incur. Working out how you pay your excess can be complicated but your insurance agent should be able to talk you through it. Some policies will not have an excess to pay but normally policies without an excess will have higher monthly premiums.
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