Claim wording

J_B

Briefly ..

We're on holiday and a crown has shattered on one of my teeth

Had a temporary repair with a renewal promised before we go home.

What wording should I ask them to put on the invoice to stop the insurers avoiding payment?

"Emergency dental treatment" - will that do?

singhini

My guess would be 

Emergency dental treatment: temporary repair to fractured crown to relieve pain and allow normal function.

Emergency = unplanned and necessary 
Temporary = its not elective or cosmetic
Pain Relief = medical necessity 

eskbanker

Sounds likely, but if you have access to the policy wording, you should be able to copy the relevant phrase from there?  Have you contacted the insurer yet?

J_B

eskbanker said:

Sounds likely, but if you have access to the policy wording, you should be able to copy the relevant phrase from there?  Have you contacted the insurer yet?

Not read the policy nor contacted the insurers yet - will dig a little deeper tomorrow ....

MyRealNameToo

J_B said:

Briefly ..

We're on holiday and a crown has shattered on one of my teeth

Had a temporary repair with a renewal promised before we go home.

What wording should I ask them to put on the invoice to stop the insurers avoiding payment?

"Emergency dental treatment" - will that do?

Why/how did the crown shatter?

Headline would be emergency dental treatment. Detail would be emergency appointment and temporary fix after crown shattered after biting olive pit, being punched by waiter or whatever happened. 

heatherw_01

You said you haven't read the wording yet.
One thing, many insurers tell you to contact them before seeking medical treatment, so make sure you read it.

Many years ago I was on holiday with my partner and he fell very ill in the US and the policy said you have to speak to them first before seeking medical advice or they may not cover the claim. Policies vary of course.
(Glad we did as the medical bill was about $20k)

J_B

heatherw_01 said:

You said you haven't read the wording yet. One thing, many insurers tell you to contact them before seeking medical treatment, so make sure you read it.

Found this in the wording ... 

"Medical Emergency Expenses - Dental

The maximum amount insured (for each person) for Dental treatment (Emergency pain relief only) is increased to £1,000"

Can't see anything in the 49 pages about calling them first ... 

It's "All clear gold annual multi trip policy" if anyone knows anything different.

BFBW

J_B said:

heatherw_01 said:

You said you haven't read the wording yet. One thing, many insurers tell you to contact them before seeking medical treatment, so make sure you read it.

Found this in the wording ... 

"Medical Emergency Expenses - Dental

The maximum amount insured (for each person) for Dental treatment (Emergency pain relief only) is increased to £1,000"

Can't see anything in the 49 pages about calling them first ... 

It's "All clear gold annual multi trip policy" if anyone knows anything different.

You need to call them if it's going to cost more than £350. Coverage for Gold is £350. It's £1000 for Gold Plus.

It's confusing, as the increase took place in July. Prior to that it was £350, so there was no need to call them. But in the updated booklet, if purchased in August or after, it states that you should call them if over £350.
My advice would be to call if likely to be over £350.
I've just noticed that your post is from a few days ago, so my reply is probably too late.

J_B

I've still not followed this up 🤔🙄 - real life seems to have taken over!

The dentist promised to email a receipt which only arrived today.

Now Mrs B (ever the pessimist) is wondering if it's worth claiming. Is it like house/car insurance in that, if you claim, they put the price up next year?

Day off tomorrow so will try to get to the bottom of it then.

MyRealNameToo

J_B said:

I've still not followed this up 🤔🙄 - real life seems to have taken over!

The dentist promised to email a receipt which only arrived today.

Now Mrs B (ever the pessimist) is wondering if it's worth claiming. Is it like house/car insurance in that, if you claim, they put the price up next year?

Day off tomorrow so will try to get to the bottom of it then.

Never worked on pricing Travel but no quote system has ever asked for a claims history on Travel and travel claims dont get shared via CUE. 

In principle your existing insurer could charge you more at renewal as a consequence but no other insurer is going to.