Using your private medical insurance to access treatment at Ramsay Health Care UK is straightforward. Follow the steps below to understand what to expect and how we can help you through the process.
Most insurance companies are happy for you to go to them direct and request treatment in the Ramsay hospital of your choice. Others will require a referral by way of a letter from your GP. Before arranging your first initial appointment, call your insurance company to check how they prefer to refer you to Ramsay Health Care UK.
If you have a medical concern and would like to use your private medical insurance, before arranging an appointment with Ramsay Health Care, call your insurance company and check:
That your policy covers your condition or treatment
Whether you need a GP referral
Obtain pre-authorisation for your consultation and any recommended investigations
Please have the following information available:
Your policy or membership number
Your authorisation or claim number
Details of your chosen consultant (if known)
It’s also a good opportunity to check:
If you have an excess to pay
Whether there are any exclusions or limits on your policy
Whether your treatment requires additional approval
Your initial appointment is scheduled promptly at a time to suit you either via your GP referral or by contacting your local Ramsay hospital.
Please bring:
Your insurance details
Your authorisation number
Any referral letter, if required
During your consultation, your consultant will assess your condition and discuss the most appropriate treatment plan.
Your consultant may recommend diagnostic tests such as scans, blood tests or other investigations.
Before proceeding, it’s important to confirm with your insurer that these tests are authorised under your policy.
If additional authorisation is needed, our team can advise you on the next steps.
If treatment or surgery is recommended, we’ll work with you to arrange this promptly at a time that suits you.
Whether your treatment is an outpatient procedure, day case or inpatient stay, we’ll liaise with your insurer regarding the hospital charges.
Before treatment, please let us know if:
Your insurer issues a new authorisation number
Your policy details change
Your insurer requests any additional information
Ramsay will normally bill your insurer directly for hospital charges.
Please remember:
Consultant fees (including your surgeon and anaesthetist) are usually billed separately.
You remain responsible for any policy excess, co-payments or charges that are not covered by your insurance.
If your insurer does not pay part of your treatment costs, you may receive an invoice for the outstanding balance.
If you’re unsure about your level of cover, we recommend contacting your insurer before treatment begins.
Your care doesn’t end when your treatment is complete.
Your consultant will arrange any necessary follow-up appointments and aftercare to support your recovery.
If further treatment or investigations are recommended, you should check with your insurer that they are authorised before attending.
We are here to support you throughout your journey. If you have any questions about using your private medical insurance, please contact us and we’ll be happy to help.
Whilst this may have been the case in the past, these days insurance providers know they need to provide a straightforward service to remain competitive. More often than not, a phone call or email is all it takes to activate your policy. And at all times, you have our team of experts on hand to help. In fact, Ramsay hospitals operate a direct link with many insurers including Bupa, AXA PPP, Aviva Health, Vitality Health, CIGNA, WPA, Benenden, Healix and The Exeter, which enables documents to be conveniently sent online.
Although the NHS provides a superb service, waiting times are likely to be longer than accessing healthcare privately. This could potentially mean you are in pain or worried for longer than you might like. With private medical insurance you can arrange an appointment and treatment at a time and place that’s convenient for you with a consultant or senior specialist who will provide expert care and advice.
If you have private medical insurance through work, making a claim may well not affect your premiums. For patients with a personal policy (not through work) it simply depends on the type of policy you have, as premiums may well increase anyway in line with your age and health.
Again, it depends upon the specifics of your particular policy. However there is nothing more important than your health and we would not recommend deliberately avoiding making a claim simply to retain a No Claims Discount.
Ramsay Health Care operates one of the UK’s largest networks of private hospitals, so the chances are you can choose a location near you. When you see your GP, remember to tell them you have private medical insurance and that you’d like to be treated at your local Ramsay hospital. On some rare occasions an insurer may not include your local Ramsay Health Care in their hospital network. If this is the case – and you’re offered an alternative that isn’t local or convenient for you – then you might be able to insist on being treated at the Ramsay hospital of your choice.
Open Referral is where your insurer provides a pre-selected list of Consultants and/or hospitals to choose from according to your treatment needs. If one of our Consultants or Hospitals isn’t included on the list – and you’re not happy with the alternative offered – you can still ask to be treated by Ramsay Health Care.
Whilst policies vary from provider to provider, many will charge an excess of £100 to £1000. For some insurers, a single excess payment will cover you over a 12 month period, regardless of how many times you use your policy. Others, however, will charge an excess on a per claim basis, which could result in multiple payments. Unfortunately there is no general answer and so you will need to check the details of your own specific policy – your insurer will be able to advise you about this if you have any questions. However, when you think about the peace of mind, convenience and high levels of care private treatment delivers, it’s a cost well worth considering.
Naturally this depends on your individual policy and the level of cover you’ve taken out – but you may be surprised just how much you’re actually entitled to claim for. Most PMI policies cover consultations, diagnostic tests and physiotherapy, as well as far more complex operations such as spinal surgery and hip replacements. Treatment for cancer is often provided on policies too. The golden rule is always to check with your insurance provider after seeing your GP and before starting a course of treatment.
Increasingly, many policies do cover you for medical conditions you’ve been treated for in the past, especially corporate schemes. There are, however, some policies which won’t cover you for any illness, disease or injury in the 5 years before your policy starts (this is what is known as an underwriting “Moratorium”). As always, we recommend you check your individual policy to see further details. If you have any specific concerns or symptoms, it’s best to talk to the insurance company prior to taking out your policy.
Ramsay Health Care is one of the world’s largest healthcare providers and offers expert treatment in over 80 specialist areas from cancer care to cardiology, orthopaedics, women’s and men’s health to name but a few. Many of the world’s leading consultants and surgeons choose to work with us – including those who also work for the NHS. Our commitment to providing the very best and latest healthcare technology ensures we constantly attract the best medical talent to our growing team.
We’re always here to help and you can get in touch by contacting us on 01245 234000.
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Ramsay is a trusted provider of plastic or reconstructive surgery treatments as a part of our wrap-around holistic patient care. Our personal, friendly and professional team are here to support you throughout to ensure the best possible care. All procedures we perform are clinically justified.
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