In most cases, you’ll need a referral from a GP before making a claim.

You can self-refer for some mental health treatments, either online or face-to-face Talking Therapy sessions, if they’re covered by your plan. This means you don’t have to wait to see a GP first. You can also self-refer for physiotherapy and use our network of over 9,000 registered physiotherapists. You will need to pay any excess that applies to your plan. You can find details of your cover here.

There are some cases where we’ll take referrals that haven’t been made by a GP. For example, referrals following a health screen or treatment in A&E. For certain conditions, a referral may also come from a dentist or optician.

If your plan includes the optional Optical, Dental and Hearing cover, or a Personal Health Fund, you can make a claim without a GP referral. You will not need to pay an excess on these claims. A 20% co-payment may apply to certain expenses under the Optical, Dental and Hearing benefit. To learn more, select the I want to make an Optical, Dental or Hearing claim button below.