In most cases, we can arrange direct billing. This means that we will settle your pre-agreed account with your chosen hospital or doctor.

It will be subject to any deductibles, special conditions, co-pay and of cause the benefit limits of your policy (please refer to your policy wording and certificate for clarification).

Your doctor will also need to complete and sign the treatment guarantee form. We suggest that you contact us at least 5 days prior to your planned admissions so that this can be arranged for you.

Whenever you claim an outpatient benefit, please try to take the claim form with you when you see your doctor.

If you need emergency assistance, call our Emergency Helpline at:

Emergency Helpline:

• UK Number: +44 (0) 20 7976 8787

The helpline is run by a team of multi-lingual specialists who can assist you and make all necessary arrangements.

A Pre-Authorisation is when our claims team guarantees the Hospital, Clinic or Doctor payment for certain out-patient and In-patient costs. However, the Treatment Guarantee form must be completed as well.

All In-Patient and Out-Patient Surgery benefits as listed.

• MRI (Magnetic Resonance Imaging) scans.
• Convalescence facility and home nursing care.
• Psychiatric, mental, nervous disorders, alcohol, drug abuse and speech therapy,
• Pregnancy and childbirth (in-patient treatment only),
• Eye surgery,
• Chronic disease/dread disease/AIDS (in-patient and daycare treatment only),
• Medical evacuation or repatriation,
• Expenses for one person accompanying an evacuated/repatriated person,
• Repatriation of mortal remains.

Pre-Authorisation is necessary to ensure that all costs are fully covered within your plan. As with all health insurance policies, your plan will only cover medically necessary treatment and reasonable and customary charges.

Therefore, you must contact us before treatment so that we can confirm the medical necessity of your treatment and the appropriateness of costs.

By following the Pre-Authorisation process, we can ensure that your treatment will be free from financial worries, allowing you to concentrate on improving your health. In addition, Pre-Authorisation will help us to provide you with a better service:

• In the case of planned treatment, we will have time to communicate with the hospital to facilitate smooth admission and guarantees
• In the case of an evacuation/repatriation, we can organise and coordinate the evacuation on your behalf.

We reserve the right to decline a claim should Pre- Authorisation not be obtained for the benefits for which it was required. If it subsequently transpires that such treatment is proven medically necessary, we may only pay 50% of the eligible benefits.

In the case of hospital charges guaranteed by us, prior to the Insured Person receiving treatment, the Policyholder agrees to reimburse us with the amount of the deductible and any co-insurance specified on the Certificate.