MEMBER SERVICES

How to make a claim and access treatment

What type of AXA Health member are you?

Go to your online account

This is where you can find out everything you need to know about making the most of your health and wellbeing benefits from AXA Health, including details on how to access them.​ You'll be able to start a claim, view your handbook, update your personal details.

Log in

Do you have any of these medical concerns?

Are you aged 18 or over?

Your options for care

Access our muscles, bones and joints service online

Most of our members have fast access to video or phone appointments through this service, without it affecting their plan’s excess and benefits.

More about this service

Request a face-to-face appointment

You can choose this option if you have the appropriate outpatient benefits and a GP referral. It may take longer than getting initial advice through our online service.
You can start by selecting ‘Make a claim’ in your online account.

Log in

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.

You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 18 or over?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need with no referral; we've made sure our members can access specialist diagnostics tests for breast cancer concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer without a GP referral.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 18 or over?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need with no referral; we've made sure our members can access specialist diagnostics tests for skin concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer without a GP referral.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 40 or over?

Have you been told you have a raised PSA level?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need; we've made sure our members can access specialist diagnostics tests for prostate concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 18 or over?

Call our specialist team

Call our specialist team and we'll arrange an appointment for you to speak to one of our mental health providers.

Call 0800 174018

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Do you have any of these medical concerns?

Are you aged 18 or over?

Your options for care

Access our muscles, bones and joints service online

Most of our members have fast access to video or phone appointments through this service, without it affecting their plan’s excess and benefits.

More about this service

Request a face-to-face appointment

You can choose this option if you have the appropriate outpatient benefits and a GP referral. It may take longer than getting initial advice through our online service.
You can start by selecting ‘Make a claim’ in your online account.

Log in

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.

You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 18 or over?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need with no referral; we've made sure our members can access specialist diagnostics tests for breast cancer concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer without a GP referral.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 18 or over?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need with no referral; we've made sure our members can access specialist diagnostics tests for skin concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer without a GP referral.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Are you aged 40 or over?

Have you been told you have a raised PSA level?

Cancer diagnostic service

Worried about cancer symptoms?

Get the help you need; we've made sure our members can access specialist diagnostics tests for prostate concerns.

When you're experiencing worrying symptoms, we know how important it is that you see an expert and get a diagnosis as soon as possible. That’s why we’ve made it easy to get a diagnosis through Check4Cancer.

This service is available to you if your membership covers outpatient specialist consultations and diagnostic tests.



Find out more

If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.
  • You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

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If your medical concern wasn't listed above, follow our step by step guide:

1. See a GP

After they've looked at your symptoms, carried out any tests and you've had any treatment they recommended, they may still need to refer you for specialist care. If you’re struggling to get an appointment with your GP, remember you can use our online GP service

Use our online GP service

 

Whether we approve a claim will depend on the membership you’ve chosen. Your membership may exclude pre-existing conditions or symptoms. A pre-existing condition is any disease, illness or injury you had symptoms of or treatment for, before your cover started:

  • Any condition you’ve taken medication for – that includes any medicine you’ve bought in a shop, such as painkillers.
  • Any condition you’ve seen a GP or other medical practitioner about.
  • Any condition you’ve had any symptoms of – even if you didn’t see anyone about the symptoms.

You can review what your membership covers in your membership documents.

2. If your GP says you need to see a specialist, ask them for an ‘open referral’ 

With an 'open referral' your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see – for example, a cardiologist. We’ll use this open referral to help you find a specialist.

If your GP recommends a particular specialist, this is a 'named referral'. You’ll need to contact us with this name, either through live chat, or contact us on your claims line number (which you can find in your membership documents) and we’ll check your membership covers that specialist.

Important information: If you’re referred to a specialist, we may ask your NHS GP to complete a medical information form. This helps us verify that your treatment or condition is covered by your plan. Your GP may charge a fee for completing this form, and please be aware, we don’t cover for the cost of this, and you will need to pay this yourself.

Some plans require you to have an ‘open referral’. Please check your membership documents if you are unsure.

3. Contact us when your GP has given you a referral

Start your claim through your online account. Alternatively, you can chat online with one of our agents using the live chat to the bottom-right of your screen or call us using your claims line number, which you’ll find in your membership documents. If you don’t have your referral letter to hand, make sure you know the type of specialist your GP is referring you for.

Log in

Frequently asked questions