With health insurance claims, you can either seek pre-approval before, or reimbursement after, the event or procedure you wish to claim for.
Some policies only allow pre-approval for claims over $1,000, but our health insurance provides pre-approval for any amount. Pre-approval provides you with peace of mind, and it means that your treatment costs can be paid directly to your health care providers. Please allow five working days for your pre-approval request to be processed. However, if your treatment is urgent then your request can be given priority.
To obtain pre-approval for a procedure which is covered by your policy:
When seeking pre-approval, it is helpful (although not necessary) to provide an estimate of treatment costs. This can help to identify any issues with cover and to quantify any amount which you need to fund as a result of the excess you have chosen under your policy.
If you have any questions at all regarding pre-approval, or if you need help in completing a claim form, then phone a Sovereign team member on 0800 500 108.
When your treatment has been pre-approved, you will receive a confirmation letter which you can supply to your health care provider if required.
After you have had your treatment, complete the last page of the claim form, attach your providers’ invoices and forward to Sovereign at the address below.
To obtain reimbursement for a covered event or procedure which you have already paid for:
If you need help in completing the claim form, then phone Sovereign on 0800 500 108.
The entire claims process can be illustrated as follows:
Whether for pre-approval or reimbursement, send your completed claim form and invoices to:Sovereign Assurance