Guide to making a health insurance claim

Do your symptoms fall into any of these categories?

If you’re experiencing any of these symptoms and you have Direct Access, call us directly. We’ll check that your symptoms are covered and explain how you can get help. You may be able to get treatment without a GP referral.

Muscles, bones and joints

Moles and skin cancer concerns

If your issue is with something else, visit our ‘Get treatment’ page to see how to get help.

If your symptoms aren’t listed above, follow our step by step guide:

Step 1:
See a GP

If your symptoms aren’t covered by our Direct Access service, you should speak to a GP first.

Book an appointment with your own GP or through a digital GP service. They can advise you if you need to see a specialist or healthcare professional..

Speak to a GP within 24 hours from anywhere

With our digital GP services, you can get professional advice at a time that suits you. .

Health advice day or night

With our Anytime HealthLine, you can get health advice from a nurse at any time of the night or day..

Step 2:
Ask the GP for an open referral

If you have a condition that requires a GP referral, we recommend you ask for an ‘Open Referral letter’. This will detail the care your GP would like you to have, but will not be addressed to a specific consultant, hospital, or healthcare professional.

The referral needs to include the type of speciality that you have been referred to.

We aim to offer a choice of two or three specialists. If the first-choice consultant is unavailable, you can see someone else without having to return to your GP for a second referral.

You can also choose to speak to a specialist over the phone or by video. You can call us on 0345 609 0111 to discuss your options. Lines are open 8am - 8pm Monday to Friday, 8am-4pm Saturdays.

Important: Open Referral is mandatory on some personal, corporate and company schemes. If you need help, please call us on 0345 609 0444. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.