Health insurance how does it work

[magamamma]

So I have a possible cancer scare and will qualify for the 2 week pathway nhs

I am also fortunate to have private health care through my work with aviva

I started a claim with aviva on Tuesday as I have a referral for a gynaecologist, it still hasn't been updated from pending to agreement to pay to cover the costs

I'm a bit confused, when I started the claim - I put in that I needed to see a gynaecologist and would need an ultrasound.
It seems with private healthcare you see the consultant first then the ultrasound
With nhs it's the ultrasound 1st

My question is

The ultrasound will show that I need a Hysteroscopy,

1. would I need to claim again for this procedure with aviva, or does the consultant send the details and it gets automatically authorised

2. does anyone know if a Hysteroscopy is a surgery or a diagnostic, because I only have £1000 outpatient allowance

3. if it comes to needing a hysterectomy, again would I need to contact aviva and get permission

I know that the nhs 2 week pathway you get the ultrasound done and the Hysteroscopy appointment is made at the same time

I'm just confused how private healthcare works, as I've never used it before, and if I have to claim for every test and wait for a decision each time.

I'm not convinced it's actually quicker

It depends on your policy.
It will enable you to have a private room in a private hospital, better food and consistent care.
Plus any niche treatment will be cost-covered. There may be a slight wait but I go private every time.
Speak to your policy team.

Your initial preauthorisation should cover your consultation, any minor diagnostics which are ultrasound, blood tests etc and a follow up consultation. You'll need to ask for further authorisation for a hysteroscopy which would come from your inpatient/day patient benefit, not your outpatient benefit. The best thing you can do is call Aviva and ask them to guide you through the process.

I dont have healthcare but needed similar to you. On nhs I had a scan, saw consultant, had the biopsy/hysto all there and then...1 stop shop he called it. Resilts 2 weeks later

@Mabelface thanks for replying, for some reason I thought a Hysteroscopy would be outpatient/ diagnostic test
I am presuming ultrasounds are diagnostic tests

@CornishTeaTime thanks that was very quick, I have read similar is available at my hospital where the Hysteroscopy appointment is available at the ultrasound scan

I just need to decide what route to go down