The Health Guide

Referral

A GP’s letter naming a specialist, which most policies require before they will pay.

Private medical insurance almost always begins with a GP referral. Some insurers accept an open referral, where the GP names the specialism rather than an individual consultant and the insurer suggests recognised specialists. Others require a named consultant. Either way, the referral is the document that starts the claim, so it is worth checking what form your insurer wants before the appointment is booked.

Guides that use this term