Using Your Medical Insurance

Insurance recognition

New Victoria Hospital Limited is recognised by all the leading UK medical insurers.

Check that you are covered by your medical insurance

We would advise you to contact your insurer at the earliest opportunity to confirm that you will be covered for your treatment at New Victoria Hospital and that you then keep them informed during the course of your treatment. By doing so you will remove a potential source of worry for yourself at the earliest opportunity. If you do not do so and you subsequently find that your insurance policy will not cover your treatment then you will be responsible for meeting the cost of it yourself. (Some medical insurance policies may restrict the level of your cover. They may limit the scope and range of treatments for which you are covered or the number of hospitals at which you can be treated. They may also place financial limits on the amount of treatment for which you are covered each year; or you may be required to pay for an element of your treatment yourself.)

All medical insurers have different procedures for how you can make a claim. Most now require you to contact them before the start of any treatment so that they can confirm whether it will be covered. Many also request that you visit your GP first and obtain a Referral Letter if you haven't already done so. Once your insurer advises you that your treatment will be covered, they will provide you with a pre-authorisation number and any other useful information and, where required, send you a claim form. We will ask you for your pre-authorisation number or other confirmation of your cover when you first arrive at New Victoria Hospital.

If, like many policyholders, you are covered by a scheme that is administered by your employer then you may also need to contact your Human Resources department at work.

A Consultant of your choice

Most private treatments start when you visit your general practitioner and are then referred by them to see a Consultant. You should tell your GP at that time if you are covered by medical insurance and want to be treated privately. They can then advise you and help make the necessary arrangements for you to be seen at New Victoria Hospital by the Consultant of your choice.

One of the benefits of private medical insurance has always been that you can be treated at the time of your choice and by the Consultant of your choice. (although some insurers now try to sway you to see a Consultant of their choice rather than yours.). We strongly encourage all Consultants who use New Victoria Hospital to charge for their services in accordance with the guidelines published by the various medical insurers. Over 95% of them do so. In nearly all cases therefore you can be assured that, when you see a Consultant at the New Victoria Hospital, their fees will be met in full by your insurer. You can check with your insurer by telephone or online whether your preferred Consultant is “fee assured” and your treatment will be covered in full; and, if they are, we would encourage you to ask that you can be treated by them.

Billing and payment

At the end of your course of treatment, or at regular intervals if your treatment is over a long period, New Victoria Hospital will raise an invoice for the services that it has provided you. These will include diagnostic services such as radiological examinations, blood tests and other pathology services, physiotherapy treatments and, if you are admitted to the hospital as an inpatient or a daycase, charges for your accommodation, drugs and dressings, and the use of the operating theatre.

If your treatment is covered under your medical insurance policy, we will send our bill directly to your insurer for settlement. We will invoice you directly only for those services which are not covered by your policy: these will include hotel charges like telephone calls and meals for visitors, drugs for use after your discharge (if they are not covered under your policy), and specialist equipment such as crutches and braces to aid your subsequent recovery.

If you have an excess on your policy or do not have sufficient cover on it for your bills to be paid in full then your insurer will write to you to let you know. You are then responsible for settling the balance with the hospital.

Your Consultant - and your Consultant Anaesthetist if you require surgery - are independent practitioners and are not employees or agents of New Victoria Hospital. They will issue their own invoices for their services and may send these either to you or directly to your insurer. If you do receive any invoices from your Consultants you should confirm with your insurer what to do with them. In nearly all cases they will ask you to send the invoices on to them for settlement.

Overseas insurance companies

If your medical insurance policy is with an overseas insurer with whom we do not have any arrangement then we will ask them for their written confirmation that your treatment at New Victoria Hospital will be covered by them in full. If we do not receive their confirmation prior to commencement of your treatment then we will ask you to settle the hospital’s bill and arrange for your reimbursement from your insurer.