If you have a personal injury claim and use your private health insurance your lawyer should ask you about this and write to your health insurer so that any refund to the health insurer can be determined. You will not be out of pocket as the refund has been included in your claim.
It is important that this occurs because the Rules of most private health insurers dictate that if you have a personal injury claim you must include the amount owing to the health insurer as part of your claim. This amount is then refunded to the health insurer by your lawyer from the settlement money.
Determining the refund to the health insurance is very easy as the health insurer will provide to your lawyer a list of all the treatment and costs it has paid on your behalf since the accident and you can identify on the list the charges that relate to your injuries so the refund can be calculated. The health insurer will then inform your lawyer of the refund amount and it will be included in your claim.
An important issue may arise on the settlement of your claim if your claim included an amount of money for future treatment and future operation. The issue is whether your private health insurance will cover and future treatment and operation if it has been included in your claim. This is a complicated issue and one that you need to have your lawyer investigate and advise you on. As a rule of thumb, the private health insurance will pay for future treatment and operations as it is next to impossible to determine if the insurer included any amount for this in the settlement and if so how much.
We’re Here to Help with Your Injury Claims Brisbane and Beyond
However, it is important that you have a specialist personal injury lawyer in Queensland acting for you and advising you on these issues. Your Claim Lawyers are specialists in injury claims Brisbane and beyond and can advise you fully on the private health insurer issues and all other issues regarding your claim.
Please telephone Your Claim Lawyers on 1800 968 725 or 0400 839 314 for a free consultation.