Processing of your case
We will receive a claim from you
We receive a claim for damages from you. We register a case and a claims adjuster is assigned–time required one week.
Confirmation letter from the manager
The claims adjuster writes a letter to you confirming that a claim has been received, together with an authorisation form for you to complete and return to us in the enclosed envelope. – Time required one week (depending on how quickly we receive the authorisation).
Extraction of journals from healthcare services
Once we have received the authorisation, the claims adjustersends a request (supported by your authorisation) to receive journals from the healthcare service provider to be able to investigate the claim. The amount of time this takes depends on how quickly we receive all the necessary journals from the healthcare provider. Time required approx. four – eight weeks.
Once all journals have been received, the claims adjuster compiles your case and sends it to a relevant specialist medical adviser for your case. Time required approx. one week.
Assessment and opinion
The medical adviser assesses your case in accordance with the conditions of the insurance and then sends his/her opinion back to us. The amount of time required for this depends on how complicated the case is, amongst other things, but it usually takes an average of up to six weeks.
Managers make decisions
Your claims adjuster will make a decision on your case based on the opinion provided. The decision means either that damages can be compensated from the insurance, or that compensation cannot be paid out. If compensation cannot be paid you also receive information about what you can do if you are not satisfied with the decision. The decision is always sent to you as a letter. On average, it takes just over four months from registration until you receive a decision.