How to use your private medical insurance

If your hospital visit is being funded by an insurance company, payment will be made direct by your insurer in line with agreements we hold with them. To ensure that your insurance company can make the payment, please take note of the following steps. Not all insurance plans cover the same things. It’s important to check exactly what you are covered for with your insurance provider.

1. Get a GP Referral

To claim using your private medical insurance, you will most likely need a referral from your GP or other health professional. In some instances it is possible to self-refer such as when requesting physiotherapy – check with your insurer. Ask your GP to refer you to Benenden Hospital.

2. Contact your insurance company

Before you attend hospital for consultation or diagnostic tests, it’s essential that you get authorisation from your insurance company.

Medical insurance companies

We're recognised by the major insurance companies listed below. If your insurance company isn’t listed, call your insurer and ask for a referral to Benenden Hospital.

  • Aviva
  • AXA PPP Healthcare
  • BUPA
  • Cigna
  • CS Healthcare
  • Exeter Friendly Society Ltd
  • General & Medical Healthcare
  • National Friendly
  • Saga Health Insurance
  • Simply Health
  • Vitality Health
  • WPA

Request Benenden Hospital if asked what hospital you would like to attend.

So, before your first appointment, you should contact them to check the following:

  • Is your condition covered?
  • Ensure that at each stage of your treatment you are covered by the insurer
  • Are you covered for the planned treatment at Benenden Hospital, including your first out-patient appointment?
  • Does your insurance company recognise the consultant you have chosen?
  • Is there an excess payable on your policy?
3. Book your appointment with us

Once you have your referral from your GP, and have contacted your insurance company for authorisation, you can call our Private Patient Team on 01580 363158 who'll give you all the information you need about the available treatments, Consultants and booking details. If you're given a pre-authorisation reference please pass it on to the team.

4. The insurance details we'll need

Before admission, we’ll write to you asking for the following details:

  • Your claim form, if your claim form is already with your consultant, GP or insurance company, just let us know
  • The name of your insurer
  • Your membership or policy number
  • Confirmation of eligibility such as a pre-authorisation or claim number (some insurers give a different reference to the treatment, and authorisation of a consultation does not necessarily mean that they have authorised the treatment that results)
  • Any excess applying to your policy (most insurers will ask you to pay that direct to us).

Please bring these details to your first appointment. It’s vital that we have this information before admission because insurers may refuse to make a payment they haven’t pre-authorised. In that case, you’d be liable for the entire bill.

Foxgloves by Hugh Turvey

You're in safe hands at Benenden Hospital

Hospital visits can be worrying, especially right now. Our spacious CQC Outstanding hospital has measures in place to keep you safe.

Thinking about using your private medical insurance to access a treatment?

To find out more about arranging your treatment with Benenden Hospital please contact:

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