Please see page 52 for an explanation of words that appear in bold
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4
Arranging treatment and making a claim
What do I need to do before I receive treatment?
Simply call us as soon as you have been referred for private treatment. We can then make the
necessary checks that the treatment is eligible before you incur any costs. Where possible, we
will assess the eligibility of your claim over the phone, however we may need to ask for more
details about your medical condition particularly if your policy excludes cover for treatment of
pre-existing conditions. Alternatively, you can pre-authorise your treatment via your Customer
Online account at
Sometimes we will need more information from your medical practitioner before we can authorise
a claim.
Please note:
For in-patient treatment, day-patient treatment or major out-patient treatment in Greece you must
call us prior to receiving treatment. If you are receiving treatment in any other country, we
recommend you contact us prior to receiving treatment. If you are unable to make contact before
admission, we may not be able to guarantee a direct settlement so you may have to pay a
deposit to the hospital or pay your bill in full upon leaving the hospital.
If you need referral to a medical practitioner or hospital in the USA, you must call
+1 800 308 2611 and follow the instructions. An adviser will confirm your entitlement to benefit
for the proposed treatment and give you details on how to claim. If you do not call us prior to
treatment, we may only pay up to the usual rate for the treatment you receive.
If you need to speak to our team of Personal Advisers for help on any other aspect of your
membership please follow the instructions.
Any bills for treatment received in the USA should be sent to
AXA Assistance, PO Box 260338, Miami, Florida, 33126, USA.
What happens if I require emergency treatment?
If the treatment is given as an emergency you may not be able to telephone us beforehand. Do
however, ask somebody to telephone us as soon as possible and make sure that, when you are
admitted to hospital, the hospital is given your membership card so that they can contact us
straight away.
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