How to Claim

Once you have a policy with Morgan Price our claims procedure is simple. All you need to do is follow the steps below:

* Medical Emergency claims
Where possible you should contact our helpline within 48 hours so they can assist you and arrange payment etc. A treatment guarantee form will not be required for emergency cases but you should contact us as soon as possible anyway.

The helpline number will be on the back of your handy membership card.

* Non-emergency claims
All claims should be submitted in line with the claims procedure in your policy wording but as a summary:

o In-patient claims
A treatment guarantee form will need to be completed by your physician and sent to us PRIOR to any treatment commencing.

The form can be obtained by contacting the helpline.

o Out-patient and dental claims
A treatment guarantee form will be needed for those out-patient treatments listed below. For all other out-patient claims, you should always take a claim form with you when visiting a physician or dentist so that they may complete their section(s)*.

You should pay for treatment yourself and then submit the claim form with the receipts to us for payment - the address of the claims department is on the claims form. Remember to complete your parts of the claim form prior to submitting it to us for payment.

*For clients in the USA or Germany, where the diagnosis and the nature of treatment are usually included on any invoices, the physician will not need to complete these sections of the claim form. They must however sign, date and stamp the form.

o Treatment guarantee form
A Treatment Guarantee form (TGF) is completed by your physician prior to treatment and faxed to us so we may confirm treatment and costs prior to treatment taking place.

A TGF is required for the following:

+ All in-patient treatment including maternity costs
+ Psychiatric treatment of any kind (in-patient or out-patient)
+ MRI and PET scans performed as in or out-patient procedures
+ Home nursing
+ Medical evacuation and repatriation
+ Repatriation of mortal remains

The full claims procedures can be found in your policy wording