If you need more extensive examinations or a surgery, for instance, as a result of an accident, the health care facility may request a payment commitment from the insurance company in advance. If this is needed, the health care facility will ask which insurance company you have, and then send the request for a payment commitment directly to us. We will process the request as soon as possible and get back both to the health care facility and you with our decision to either approve or reject the payment commitment. The health care facility will then usually contact you to discuss the necessary examinations and treatments.
If you have not yet paid the deductible in the current insurance period, we will let you know how much the deductible is in connection with the payment commitment. The health care facility will then charge the deductible from you and we will pay the rest to the health care facility.