To show you how easy it is to use your private health insurance to fund treatment with Ramsay Healthcare, just click through the step-by-step guide below.
Step 1: Choosing your Ramsay hospital
Many insurers are quite happy for you to go to them direct and request treatment in the Ramsay hospital of your choice. Others may require a referral by way of a letter from your GP. So before arranging your first out-patient appointment with Ramsay Health Care, it’s worth checking how your insurer prefers to do things.
Step 2: Check that you’re covered
Before attending your appointment, it is necessary that you gain authorisation from your insurance company as to whether you’re covered for any diagnostic tests that may take place – or if there is an excess to pay. If an excess is payable, you won’t have to do this before you’re treated. Instead, you’ll receive an invoice at a later date and then pay any excess directly to us.
Step 3: Arranging your appointment
Once your insurance company has confirmed that you’re covered for treatment, then contact your local Ramsay hospital to make your appointment. Or if your GP has made the arrangements for you, one of our dedicated customer services team will be in touch. You’ll receive confirmation from us or your chosen consultant’s secretary. It’s worth noting that if you have an ‘open referral’ or ‘directed referral’ clause within your policy, you can still expressly request your insurer to refer you to a Ramsay Health Care consultant.
Step 4: Here’s what we need from you
So we can bill your insurer directly, we’ll need some details from you, including:
- Name of the insurance company
- Registration number
- The scale or level of your insurance cover
- Corporate/Company scheme details
- Claim number or authorisation code
You may also be required to complete a claim form.
Step 5: Meeting your consultant
Your first appointment allows your consultant to assess what treatment is needed and whether it’s best if you’re an outpatient, day case or inpatient. If you haven’t already been given the go-ahead for your entire course of treatment by your insurer, we recommend you check that you’re covered for whatever your consultant recommends.
Step 6: Treatment at a time and place that suits you
Whether you can be treated as an out-patient or need a stay in hospital, you can arrange treatment when and where it’s most convenient for you. If you will be receiving in-patient care, remember to tell your insurance company your admission date and proposed treatment.
Claim forms: Some insurance companies require the claim form to be completed by both yourself and either your GP or specialist (Consultant). Wherever possible a claim form must be completed before or on admission.
Step 7: Paying for your treatment
At Ramsay, we work directly with your insurers to arrange payment, keeping red-tape and hassle to a minimum for all our patients. That way, you can concentrate on getting back to normal as soon as possible.
For inpatient treatment, there will usually be three invoices unless you have agreed a Fixed Cost Care package inclusive of all fees.
- One from the hospital
- One from the Consultant Surgeon/Physician
- One from the Consultant Anaesthetist unless your hospital charges on behalf of the Consultant.
These invoices will normally be sent (if applicable) with your claim form (if required) to your insurance company. However some Consultant Surgeons and Consultant Anaesthetists are self-accounting. This means they may sometimes send their invoice direct to your home address. Please forward these to your insurers. All charges are pre-agreed with your insurance company and therefore copy invoices are not normally sent to you by the hospital.