I am a member

Great News – you don’t need to go to your GP in order to be referred. Just call us and we can provide a same-day referral service.

Making a claim on your H3 Policy

Step 1 – Report your condition?

To report a condition and be authorised to receive treatment under the policy you can either:

Call our claims line on 02890 469994.


Register a claim online – click here

It is quicker to call our claims team to report your condition than waiting to see your GP. Our medical assessment team will analyse the information provided with a view to providing a specialist referral, if required, within 24 hours of your call. If you have already consulted your GP, you must send us a copy of the GP referral letter.

If required, our medical assessment team may recommend a face-to-face appointment. You can elect to use our private GP service or you may attend your own GP for this.

Step 2 – Authorisation

All claims for consultation, tests, procedures etc must be authorised by our claims team. We will provide you with an authorisation number, and will send the necessary forms for you to complete and return to us. You should bring the authorisation number with you to your appointment.

You should not arrange any treatment or appointments without prior authorisation from H3. Failure to do so may result in a claim not being paid.

Step 3 – Booking Appointments

Once we have authorised your claim, we will book your appointment with the appropriate specialist/facility at a mutually agreeable time. Your appointment should be within 7 working days where possible.

Our claims team will assist you throughout the claim process, recommending specialists, sourcing appointments, and liaising with specialists and facilities for collection of reports etc.

Step 4 – Payment of bills

All eligible costs and payments for approved appointments, tests and surgeries that have been approved by us, will be settled directly by us. You should not be given any bills, but in the event that you do, simply forward it on to us and we will settle it on your behalf.

Note: Please do not arrange any treatment or appointments without our prior approval. Failure to do so may result in your claim not being paid.

Where you elect to use our medical assessment service and where a face-to-face or online consultation is required, the fee for this service will be added to your total claim value, minus any applicable policy excess.

In the event that your claim is not eligible for medical treatment you will be charged for this service.

Where a policy excess is in place you will be required to settle this sum directly to the healthcare provider.