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How do I check if I’m covered for a treatment?

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How do I check if I’m covered for a treatment?

Follow these four steps to check whether you’re covered for a certain type of medical treatment.

  1. Look up your certificate of insurance
    When your policy started, we emailed you a bunch of documents. One of those is your Certificate of Insurance, which is your confirmation of insurance cover for private healthcare.
  2. See what health plan you have
    On the final page of your certificate of insurance, there is a table that specifies the health that plan you have. It’ll be the Bronze, SilverLite, Silver or Gold plan.

  3. Check your plan agreement
    Also in your certificate of insurance, you’ll see a link to a PDF version of your plan agreement. The plan agreement sets out the complete T&Cs of your cover with us. There’s a section called what you’re covered for, which sets out all the benefits for your health plan. Check to see whether your plan covers the treatment that you need.
  4. If in doubt, contact us
    We’re here to help. If you can’t find your certificate of insurance, or you’re not sure whether a treatment is covered, we can confirm for you. Please just email claims@william-russell.com.

Related questions

I need medical treatment. Where do I start?

Here’s a quick guide on what to do if you need medical treatment, whether it’s a routine check-up with a doctor or you need emergency medical treatment.

How do we pay your medical bills?

How we pay your bills depends on the medical treatment you’re receiving. This guide gives you information on how we pay hospitals and reimburse you for any bills you’ve paid yourself.

At which hospitals can I have treatment?

You can choose to have your medical treatment at any hospital or clinic within your coverage zone. We work a little differently from other insurance providers, who might tell you where you can and cannot have medical treatment. With William Russell, you can go to any hospital in any country that’s within the coverage zone stated on your certificate of insurance.

How do I make a claim?

How you make a claim depends on what medical treatment you’re receiving. This guide covers how you claim for outpatient treatment (e.g., doctor visits) and how claim works when you’re admitted to hospital.

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