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How Do I Claim Work Health Insurance?

George Blandford

May 12, 2024

To claim your work health insurance, you’ll need to understand your policy, get the right documents, and follow the steps your insurer requires. Work health insurance, sometimes called corporate or business health insurance, is a type of insurance that your employer provides to help you access private healthcare services.

So, how do you claim work health insurance? In this article, we’ll guide you through the process of claiming work health insurance in the UK, making it easier for you to get the healthcare you need.

Key Takeaways:

  • Understanding your work health insurance policy is crucial for a successful claim in the UK.
  • Gather all necessary documents, including claim forms, medical bills, and proof of payment, before submitting your claim.
  • Follow your insurer’s specific claiming process and provide accurate information to avoid delays or denials.
  • Keep track of your claim’s progress and follow up with your insurer if needed.
  • If your claim is denied, you have the right to appeal the decision and seek guidance from an independent ombudsman if necessary.

Familiarising Yourself with Your UK Work Health Insurance Policy

First things first, you need to know what your work health insurance policy covers. In the UK, these policies can vary quite a bit, so it’s important to read through your policy documents carefully. Look for information on what benefits are included, what’s not covered (called exclusions), and how you’re supposed to make a claim.

There are a few common types of work health insurance policies in the UK:

  • Individual plans: These are designed for just one person.
  • Small business plans: These cover employees in smaller companies.
  • Large corporate schemes: These are for big businesses with many employees.

So, take some time to get familiar with your policy. If you have any questions, don’t hesitate to ask your HR department or contact your insurer directly. They’re there to help you understand your coverage and how to use it when you need it.

Gathering Required Documentation in the UK

When you’re ready to claim on your work health insurance, you’ll need to gather some important documents. Here’s what you’ll usually need to provide:

  • A claim form from your insurer. You’ll need to fill this out with details about your claim.
  • Itemised medical bills that show the costs of your treatment.
  • Proof that you’ve paid any expenses yourself, like receipts.
  • Referral letters from your GP or specialist that explain why you needed the treatment.
  • Hospital discharge summaries that detail the treatment you received.

In the UK, getting these documents is quite easy. You can ask your GP or the hospital for copies of your medical bills and treatment records. It’s a good idea to keep all of these documents together in a folder. This will help you stay organised and make the claiming process much easier.

Starting the Claim Process in the UK

When you’re ready to start your work health insurance claim in the UK, follow these simple steps:

  1. Contact your insurance company: Let your insurer know that you need to make a claim. They’ll guide you through their specific process and give you the claim forms you need to fill out.
  2. Complete the claim form: Fill in the claim form carefully, making sure all the information is correct. You’ll need to provide details like your personal information, policy number, and the medical treatment you received.
  3. Attach supporting documents: Gather all the necessary documents, such as your medical bills, proof of payment, and GP referral letters. Attach these to your completed claim form.
  4. Submit your claim: Send your claim form and supporting documents to your insurer. Follow their instructions on how to do this – it may be by post, email, or through an online portal.

It’s really important to fill out your claim form accurately and provide all the information your insurer needs. If anything is missing or incorrect, it could delay your claim or even lead to it being rejected.

Filing Your Claim in the UK

In the UK, there are several ways you can file your work health insurance claim, depending on your insurer:

  • Online: Many insurers have online portals where you can submit your claim digitally. This is often the quickest and easiest method.
  • By post: You can send your claim form and supporting documents by mail to your insurer’s claims department.
  • In-person: Some insurers may allow you to drop off your claim in person at one of their offices, but this is less common.

When filing your claim, double-check that you’ve included all the necessary information and documents. This will help ensure your claim is processed smoothly and efficiently.

It’s also a good idea to keep copies of everything you send to your insurer, including your completed claim form and any supporting documents. This way, you have a record of what you’ve submitted in case you need to refer back to it.

If you have any questions or need help with filing your claim, don’t hesitate to contact your insurer. They’re there to assist you throughout the claiming process.

Monitoring Your Claim and Following Up in the UK

After you’ve filed your work health insurance claim in the UK, it’s important to keep track of its progress. Here’s how you can monitor your claim:

  • Online portal: If your insurer has an online portal, you can usually log in to view the status of your claim. This is the most convenient way to stay updated.
  • Phone: You can call your insurer’s claims department to inquire about the progress of your claim. Have your policy number and claim reference number handy.
  • Email: Some insurers may provide email updates on your claim status. Check the email address you provided on your claim form.

If you haven’t heard back about your claim after a reasonable amount of time, it’s okay to follow up with your insurer. Generally, give them about 2-4 weeks to process your claim before reaching out.

When following up, be polite but persistent. Explain that you’re checking on the status of your claim and provide any reference numbers you have. If there are any issues or delays, your insurer should explain these to you and let you know what steps are being taken to resolve them.

Common reasons for claim delays in the UK include incomplete claim forms, missing supporting documents, or the need for additional information from your healthcare provider. If your insurer requests any further information or documentation, provide this as quickly as possible to keep your claim moving forward.

Managing Claim Disputes and Denials in the UK

Sometimes, work health insurance claims in the UK may be denied. Common reasons for claim denials include:

  • The treatment or service isn’t covered under your policy
  • You didn’t follow the proper claiming procedure
  • There were errors or missing information in your claim form
  • You have a pre-existing condition that’s excluded from your coverage

To avoid claim denials, make sure you carefully read and understand your policy, follow the claiming process closely, double-check all forms for accuracy, and provide all requested information.

If your claim is denied, don’t panic. You have the right to appeal the decision. Here’s what you need to do:

  1. Review the reason for the denial: Your insurer will send you a letter explaining why your claim was denied. Read this carefully to understand their reasoning.
  2. Gather additional evidence: If you believe the denial was incorrect, gather any additional evidence that supports your case, such as medical records or doctor’s notes.
  3. Submit an appeal: Write a letter to your insurer explaining why you believe the denial was incorrect and requesting that they reconsider their decision. Include any additional evidence you’ve gathered.
  4. Escalate if needed: If your appeal is also denied, you can escalate the matter to an independent ombudsman service that can review your case impartially.

Remember, claim denials and disputes can be stressful, but it’s important to stay calm and follow the proper procedures. If you’re unsure about anything, don’t hesitate to seek guidance from your insurer or a qualified insurance advisor.

Taking the Next Steps

Now that you understand the process of claiming work health insurance in the UK, it’s time to take action. If you’re looking for expert guidance and support in navigating the world of business health insurance, our team is here to help.

As experienced insurance brokers, we specialise in helping businesses of all sizes find the right health insurance solutions for their needs. We understand that the claiming process can be complex and confusing, which is why we offer personalised support every step of the way.

Don’t let the challenges of claiming work health insurance hold you back. Take control of your business’s healthcare needs by getting in touch with our expert team today.

Visit our Contact Us page to get started, or give us a call to speak with one of our friendly advisors. We’re ready to help you navigate the claiming process with confidence and ease.


How long does it typically take for a work health insurance claim to be processed in the UK? 

The processing time for a work health insurance claim in the UK can vary depending on the insurer and the complexity of the claim. Generally, straightforward claims can be processed within 2-4 weeks, while more complex claims may take longer. It’s important to provide all the necessary information and documents to avoid delays.

Can I submit a claim for treatment received outside of the UK? 

Whether you can claim for treatment received abroad depends on your specific work health insurance policy. Some policies may cover overseas treatment, while others may have restrictions or exclusions. It’s best to check with your insurer or review your policy documents to understand your coverage for treatment outside the UK.

How do I claim work health insurance if I’m self-employed in the UK? 

If you’re self-employed in the UK and have a personal health insurance policy, the claiming process is similar to work health insurance. You’ll need to contact your insurer, complete a claim form, and provide supporting documents such as medical bills and proof of payment. It’s important to review your policy to understand what’s covered and any specific requirements for self-employed individuals.

What should I do if my work health insurance claim is denied in the UK?

If your work health insurance claim is denied in the UK, don’t panic. Review the reason for the denial and gather any additional evidence that supports your case. You can submit an appeal to your insurer, explaining why you believe the denial was incorrect. If your appeal is also denied, you can escalate the matter to an independent ombudsman service for an impartial review.

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