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Do I need to pre-authorise my treatment?

Home›FAQs›Do I need to pre-authorise my treatment?
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Do I need to pre-authorise my treatment?

We must pre-authorise any of the medical treatments listed below before you have receive it.

Before you have any of the medical treatments listed below, we must pre-authorise:

  • Hospitals costs (e.g., in-patient treatment, hospital accommodation)
  • Cancer treatment
  • Organ, bone marrow or tissue transplants
  • Kidney dialysis
  • Reconstructive surgery
  • Congenital conditions or hereditary conditions
  • Mental health treatment
  • HIV/AIDS treatment
  • Physiotherapy (after you’ve had 6 sessions)
  • Rehabilitation treatment
  • Home nursing costs
  • Lifetime care (e.g., hospice and palliative care)
  • Maternity costs
  • Emergency medical evacuation

Related questions

Am I covered for physiotherapy?

All our plans give you some cover for physiotherapy. Your level of cover depends on your health plan.

Do you cover admin fees that my doctor charges?

No, we don’t cover any administration or registration fees that your doctor or your doctor’s hospital or clinic charges you. That includes any fee your doctor charges in order to complete your claim form.

Do I have a time limit to make my claim?

Please try to submit your claim within 6 months of the date of your treatment. If you treatment was more than 6 months ago, just send in your claim anyway and we’ll review it.

How can I check if I’m covered for a certain treatment?

Have a look at your Certificate of Insurance. It’ll tell you what plan you have (e.g., Silver, Bronze), and give you a link to your plan agreement. In your plan agreement, there’s a section entitled Table of benefits. This table sets out your cover under your plan. You should also check out the following section, entitled What you’re not covered for.