How do I check which clinics and hospitals my insurance covers?

Use your insurer’s or claims administrator’s official app, member portal or customer service team to request the current provider list. Have your membership number and network name ready, and check the specific branch you intend to visit.

Before booking, confirm with both the insurer and the clinic that your planned appointment is covered. Ask whether the doctor, specialty and service are included, whether direct billing is available and what co-payment or deductible you must pay. A hospital being in your network does not necessarily mean every treatment there is covered.

Check whether you need a GP referral or prior approval for specialist appointments, scans, procedures or admission. For medicines, confirm the pharmacy network and any prescription limits. If treatment is outside your network, ask whether reimbursement is available and what conditions apply before paying.

Save any written confirmation or approval reference and recheck when your policy renews or changes.