Claims
How to make a claim on your policy
We want to make sure that when you need to make a claim against your policy, the process is as smooth as possible, so in order to ensure that you receive the best possible service from ALC healthcare, please follow the guidelines outlined below in the event of treatment being required by you or one of your Dependants.
Please read these carefully and in conjunction with the other sections of your policy wording
Direct settlement
in-patient & day-patient costs
When you are scheduled to receive in-patient or day-patient medical treatment, we are often asked to settle your costs directly with your hospital.
In order to ensure that we are able to arrange for payment to be made on your behalf, it is important that you telephone our claims team on + 353 1 629 7140 at least FIVE DAYS prior to your planned hospital admission so that we may arrange for payment facilities to be set up.
Please note that without sufficient notice and the necessary medical information, we cannot guarantee that we will be able to arrange direct payment.
Claim forms
Within your policy document folder you will find a Medical Claim Form and a Continuation of Claim Form. A Claim Form will also be enclosed for Dental Treatment if you have selected this benefit.
For a downloadable copy of our Claim Form, please click below
Medical Claim Form
Continuation Claim Form
Dental Claim Form
Optical Claim Form
Routine Health Management Claim Form
When you have completed your claim form, please forward this along with all supporting documents (original invoices etc) to our claims team at :-
ALC healthcare claims team
18B Beckett Way
Park West Business Campus
Nangor Road
Dublin 12
Ireland
T + 353 1 629 7140
F + 353 1 630 1306
E claims@alchealth.com
All claims should be submitted to us with a fully completed claim form, original invoices and receipts and all other supporting documentation within six months after the end of the period of cover.
Before you make a claim, it is important to ensure that your policy covers the treatment you are seeking (e.g dental, evacuation & repatriation etc). Our experienced Helpline staff will be happy to assist with any queries that you may have. (for contact details, please use the details shown above and which can also be found on you claim form or membership card.)
A fully completed form will allow us to make an efficient assessment and prompt payment of your claim.
The settlement of your claim may be delayed if you fail to complete your claim form properly
Treatment pre-authorisation
For certain types of medical treatment and services, we will be required to obtain pre-authorisation from our claims team before starting any treatment or obtaining any services. It is important that you contact us as quickly as possible so as to avoid any delay so that we may make arrangements on your behalf.
Please note that failure to obtain authorisation from our claims team for the following treatments and services may invalidate your cover.
General claims information
All documents and materials (including but not limited to original accounts, certificates and x-rays) that we require to support a claim shall be provided without expense to us (including, if requested by us, a medical report from the insured person’s medical practitioner or specialist and details of the insured person’s medical history prior to any claim).
In cases where medical information is required by us for consideration of a claim but it is not available to us, it is the responsibility of the insured person to obtain such information from their current or previous medical practitioner, as appropriate. Claims may only be made for treatment actually given during a period of cover and benefit will only be available for expenditure incurred prior to expiry or termination of such cover.
An insured person must, without delay, give us written notification of any claims or right of action against any third party arising out of circumstances which gave rise to a claim under this policy and must continue to keep us fully informed in writing and take all steps reasonably required in making a claim upon that other party.
To the extent permissible under the laws of your country of residence, we shall be entitled to take legal action in any insured person’s name for our own benefit and claim for indemnity or damages or otherwise which relates to any benefits and costs paid or payable under this policy. We shall have full discretion in the conduct of any such proceedings and in the settlement of any claim.
Emergency Assistance
If You require Emergency assistance, Evacuation, or out of office hours assistance please contact the 24 hour Medical Helpline on +353 1629 7140
We want to make sure that when you need to make a claim against your policy, the process is as smooth as possible, so in order to ensure that you receive the best possible service from ALC healthcare, please follow the guidelines outlined below in the event of treatment being required by you or one of your Dependants.
Please read these carefully and in conjunction with the other sections of your policy wording
Direct settlement
in-patient & day-patient costs
When you are scheduled to receive in-patient or day-patient medical treatment, we are often asked to settle your costs directly with your hospital.
In order to ensure that we are able to arrange for payment to be made on your behalf, it is important that you telephone our claims team on + 353 1 629 7140 at least FIVE DAYS prior to your planned hospital admission so that we may arrange for payment facilities to be set up.
Please note that without sufficient notice and the necessary medical information, we cannot guarantee that we will be able to arrange direct payment.
Claim forms
Within your policy document folder you will find a Medical Claim Form and a Continuation of Claim Form. A Claim Form will also be enclosed for Dental Treatment if you have selected this benefit.
For a downloadable copy of our Claim Form, please click below
Medical Claim Form
Continuation Claim Form
Dental Claim Form
Optical Claim Form
Routine Health Management Claim Form
When you have completed your claim form, please forward this along with all supporting documents (original invoices etc) to our claims team at :-
ALC healthcare claims team
18B Beckett Way
Park West Business Campus
Nangor Road
Dublin 12
Ireland
T + 353 1 629 7140
F + 353 1 630 1306
E claims@alchealth.com
All claims should be submitted to us with a fully completed claim form, original invoices and receipts and all other supporting documentation within six months after the end of the period of cover.
Before you make a claim, it is important to ensure that your policy covers the treatment you are seeking (e.g dental, evacuation & repatriation etc). Our experienced Helpline staff will be happy to assist with any queries that you may have. (for contact details, please use the details shown above and which can also be found on you claim form or membership card.)
A fully completed form will allow us to make an efficient assessment and prompt payment of your claim.
- Please complete Sections A, B, C and D and ask your Doctor or Consultant (as appropriate) to fully complete and sign Section E the Medical Certificate. If the Medical Certificate and/or Declaration is not completed or signed, the claim cannot be processed.
- Please attach all original invoices. Photocopies, receipts and credit card slips cannot be accepted.
- A separate Claim Form is required for each patient and each medical condition.
- If claiming for Cash Benefit, a certificate from the hospital confirming the number of nights in-patient stay is required.
- We recommend that you keep copies of all documents submitted, should you require them at a later date.
- All documents and materials (including but not limited to original accounts, certificates and X-rays) that we require to support a claim shall be provided without expense to us (including if requested by us a medical report from the insured person’s Medical Practitioner or Specialist and details of the insured person’s medical history prior to any claim). In cases where medical information is required by us for consideration of a claim but it is not available to us, it is the responsibility of the insured person to obtain such information from the current or previous Medical Practitioner as appropriate.
The settlement of your claim may be delayed if you fail to complete your claim form properly
Treatment pre-authorisation
For certain types of medical treatment and services, we will be required to obtain pre-authorisation from our claims team before starting any treatment or obtaining any services. It is important that you contact us as quickly as possible so as to avoid any delay so that we may make arrangements on your behalf.
Please note that failure to obtain authorisation from our claims team for the following treatments and services may invalidate your cover.
- Planned In-Patient or Day-Patient Treatment (hospitalisation)
- Any pregnancy or childbirth Treatment
- Planned surgery
- Medical Evacuation or Repatriation
- Psychiatric Treatment – In-Patient, Day-Patient, and Out- Patient
- Home Nursing Charges
- Planned MRI and CT Scans
General claims information
All documents and materials (including but not limited to original accounts, certificates and x-rays) that we require to support a claim shall be provided without expense to us (including, if requested by us, a medical report from the insured person’s medical practitioner or specialist and details of the insured person’s medical history prior to any claim).
In cases where medical information is required by us for consideration of a claim but it is not available to us, it is the responsibility of the insured person to obtain such information from their current or previous medical practitioner, as appropriate. Claims may only be made for treatment actually given during a period of cover and benefit will only be available for expenditure incurred prior to expiry or termination of such cover.
An insured person must, without delay, give us written notification of any claims or right of action against any third party arising out of circumstances which gave rise to a claim under this policy and must continue to keep us fully informed in writing and take all steps reasonably required in making a claim upon that other party.
To the extent permissible under the laws of your country of residence, we shall be entitled to take legal action in any insured person’s name for our own benefit and claim for indemnity or damages or otherwise which relates to any benefits and costs paid or payable under this policy. We shall have full discretion in the conduct of any such proceedings and in the settlement of any claim.
Emergency Assistance
If You require Emergency assistance, Evacuation, or out of office hours assistance please contact the 24 hour Medical Helpline on +353 1629 7140