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23

insured, sponsored or self-funding, and

that you agree we can use information

about you within the limitations of the

Data Protection Act 1998.

You should sign and return the form in

advance of attendance or at the time of

admission or registration. When you arrive

at the hospital or any of our facilities,

we would like to ensure you have no

concerns about:

• The arrangements made for settling

your account.

• The way we will handle information

about you, both to support treatment

and to settle your account.

We urge you to consider such matters now,

before you attend one of our facilities.

PAYMENT AND INSURANCE

Payment responsibilities

The company policy requires payment

in full in advance, or at the time of

treatment on all accounts not guaranteed

by an approved third party. Interest

may be charged at the rate of 12% per

annum, calculated from the date of

discharge or the date of the invoice if an

invoice is presented prior to discharge,

on all accounts where credit has not

been granted and there are delays in

payment. Where fixed price, contractual

or any other policy discounts have been

applied to an account and subsequently

the hospital experiences difficulties in

collecting the account, the hospital

management reserves the right to reverse

the discount and to re-bill the account in

full. The amount shown as payable on the

invoice is net of discounts. Any further

collection costs incurred by the hospital

(including fees billed by collection

agencies, credit reference agencies and

solicitors) will be added to the final

amount payable.

Patients with medical insurance

It is the patient or their representative’s

responsibility to ensure cover is adequate

to pay for treatment. We strongly

recommend that patients/representative

contact their insurance company prior

to treatment in order to check cover

and the terms of the policy. The hospital

will process insurance claims directly

with approved insurers on the patient’s

behalf, if the patient has provided claim

details. It is the patient’s/representative’s

responsibility to verify with the insurer

that the condition to be treated is

covered by the insurance. The hospital

is not responsible for this verification.

Insufficient documentation will prevent

direct settlement and will result in the

account being treated as self funding. Any

shortfalls in benefit are the patient’s or

their representative’s responsibility. In all

circumstances, responsibility for payment

of hospital accounts rests ultimately with

the patient. Should any sponsorship or

guarantee fail, or insurance claim be

declined in whole or in part, the patient

will be required to pay the outstanding

balance in full.

Who pays for my treatment?

While, in the majority of cases, your

medical insurer will pay for all your

treatment at our hospitals, it is important

to note that there are certain treatments

that your medical insurer may not pay for.

By signing the Admission and Registration

Form, you agree that, if your insurer does

not pay for any part of your treatment, you

will pay this yourself.

When might my insurance company

refuse to pay for treatment?

The treatment which your medical insurer

will cover will depend on a number of

factors, such as which insurance company

you are insured with, what policy you

hold and what level of insurance you

have. However, if you are having any

of the following types of treatment, we

strongly recommend that you contact

your insurance company and ask them

to clarify what portion of the costs they

will cover. These are the treatments where

patients most commonly face difficulties

with their insurance cover:

Treatment for chronic illnesses

Treatment for chronic conditions is

generally excluded from UK insurance

policies. Chronic conditions are explained

in the Association of British Insurers Private

Medical Insurance Common Definitions

guidance document this can be found at

www.abi.org.uk/Display/File/Child/852/

PMICommon_Definitiond.pdf. For example,

you may not be covered for treatment of

digestive conditions such as Crohn’s disease

or irritable bowel syndrome.

Screening

Screening and routine testing are excluded

from some UK insurance policies. This

might include, for example, scanning to

detect early indications of heart disease

and also testing to ensure that you are not

carrying MRSA. It is advised that you check

with your insurance company on these.

Experimental treatment

Some treatments are considered

experimental by particular insurance

companies and are therefore not covered

by insurance policies. This applies most

typically to newly licensed cancer drugs

and certain prostheses.