Hospitalisation
Hospitalisation in an emergency
We cover you in-hospital for emergency and planned hospital admissions. In an emergency, go straight to hospital but call us or get someone to call us within 12 hours. For planned hospital admissions, please call us 48 hours before you go to hospital to confirm your admission.
What to do before you go to hospital
Before you go to hospital for any planned procedure, you must:
- See your doctor
- Call us on 0860 627 633 to confirm your hospital admission at least 48 hours before you are admitted.
If you do not confirm your admission, a co-payment of may apply.
In some cases, failure to preauthorise treatment may mean that the benefit will not be allowed, such as for admission to sub-acute facilities.
Cover is subject to our rules
We pay medically appropriate claims. Your cover is subject to Fund rules, funding guidelines and clinical rules. There are some expenses you may incur while you are in hospital that your benefit does not cover, for example private ward costs (unless it is medically indicated).
Certain procedures, medicines or new technologies need separate confirmation while you are in hospital.