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The growing population has lead to increased wait times for consulting doctors and specialists, especially under the National Health Scheme (NHS). Private medical insurance seeks to overcome this issue as the insurance programs offered by private insurance providers ensure no waiting times for treatment as well as greater flexibility and convenience in choosing the specialists, facilities and time of treatment, to suit our schedule and availability. Here are some important points to be remembered while making a claim under private health insurance schemes. • Even before the medical expense in incurred, it is always better to keep the insurer informed about the possibility of a claim being submitted. This can be easily done by making a call to the insurer's claim helpline and obtaining authorisation for your treatment that you are going to undergo. • Prior to undergoing treatment, make sure to obtain in writing from the insurer about what aspects of the treatment will be covered by them. This will ensure that we do not get billed for uncovered medical expenses. • Get the written confirmation document from the insurer and have it signed by your consultant as this is a claims form that will be used for reference later. • Make sure to check with the insurer as to when the excess amount must be paid as some private health insurance policies require the insured and not the hospital to cover the excess costs. • Keep all the hospital bills and documentation safe and make copies to send to the insurer. Make sure to send in the claim forms, duly filled and signed by the specialist within the time limit specified by the policy, so as to not incur any penalty. Typically, the specialist will have to complete and send the filled claim form. So, if you have to return it back, make sure to have it returned promptly so as to not be penalised. • In cases where further follow up and treatment is required, it is essential to contact the insurer again and get authorisation for the treatment to be undergone. Make sure not to schedule any appointments before receiving written authorisation from the insurer. If not, then all the treatment costs will have to be personally borne by you. The decision of whether going in for NHS or private insurance depends entirely on each individual's personal circumstances and personal requirements. Private insurance offers the benefits of quick and prompt treatment, extensive choice as well as convenience. But the above factors regarding claims and the cost will also have to be weighed in before making the decision. Check out health protected site, which offers private health insurance UK from various other insurance companies and helps you professionally to find out the best choice of yours
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