Independent Specialists in
Private Health Insurance & Corporate Benefits
Private Health Insurance & Corporate Benefits
Call Our Experts On
0800 999 8 999
0800 999 8 999
News...
Follow us on: 
If you have private health insurance then you probably sincerely hope you never have to use it. Sadly though, health problems can arise at any time and if they do, you may have some health insurance claim options that could help.
The no claims discount
Many insurance providers like to offer financial incentives to avoid claims. This helps keep their claims costs down, which in turn means that they typically may offer reduced prices. A proportion of these reduced prices in effect is allocated as the no claims bonus or no claims discount.
Typically for each year you go without claiming, the bigger your discount will be off the following year’s premiums. Depending upon the level of your expense, it may therefore be worth taking this into account before making some types of small claim.
Pre-authorisation
Private medical insurance providers may require pre-authorisation. This usually entails simply contacting the provider and informing them of the health need. They will then open a file and then approve or decline your treatment or consultation depending on whether you meet the policy terms and conditions.
This may in some cases include them advising you of the specialist or centre that is closest to your needs and on their list of recognised private medical services provision.
Some private health insurance providers require the referral of a GP to begin with and their declaration that treatment is not available on the NHS or is subject to delays and waiting lists.
It is typically advisable to ensure that your PMI insurance provider has verified and authorised your treatment in advance. Most provide easy to use facilities for doing so including email and telephone contact. The process is typically simple and effective.
This also applies if you have private health cover overseas as an expat. You will typically be able to call or email the UK and - if you meet the criteria - obtain fast authorisation for your costs.
Following a few simple basic procedures and thinking about your no claims bonus, is all that’s required to make a claim against a private health insurance policy.
