What happens when you make a health insurance claim?
Most claims follow a similar route: referral, contacting the insurer, authorisation, treatment and settlement of bills.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
Contacting the insurer before booking treatment is usually required. Treatment that is not pre-authorised may not be paid for.
The insurer may ask for medical reports to check the condition is covered and not excluded.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: the claims phone or online process; documents the insurer asks for; how bills and excess are settled.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.