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At Health-on-Line we get some great feedback from our members. They tell us how easy and straightforward our claims service is and how happy they are with the private hospitals we use. Here are the steps for a typical claims process.
1. If a doctor (GP) gives an employee an open referral – meaning that they do not name a particular specialist – then just call us and we will help them to find a specialist. If the GP provides a named referral, still call us and we will check to make sure that the named specialist is someone we can cover in full.
2. We might need some more information about the person, such as their medical records, but we will confirm this when we speak to you.
3. Once we have confirmed all the details, they can go ahead with their treatment.
What happens if they want to see a specific specialist?
If an employee would like to see a specialist who is not a Business Priority Health specialist, but is recognised by AXA PPP healthcare, we will pay 60% of the charges that would normally apply. You will be responsible for paying the remaining charges.
E.g. A patient visits a specialist who is recognised by AXA but who is not a Business Priority Health specialist. The Specialist charges £1000 for the operation. The AXA rate for that particular operation is £800, therefore we would pay 60% of the AXA agreed rate. In this example 60% of £800 = £480.
If the selected specialist is not recognised by Health-on-Line, or AXA PPP healthcare, you will be responsible for paying the charges in full.
How are the medical bills paid?
Specialists and hospitals normally send their bills to us, so we can pay them directly. If you need to pay an excess, we will let you know how to pay it.
To find out which hospitals are covered, please use our Private Hospital Search Facility.