A: For many of the benefits under your GlobalSelect® or CoverSure plan you are required to seek pre-certification from us as soon as possible and always PRIOR to incurring cost or undertaking any medical treatment or before being admitted to hospital (except in an emergency situation, in which event we should be informed within 48 hours or as soon as reasonably possible).

Pre-certification may be undertaken by an insured person, the medical practitioner, hospital administrator or a relative - subject to all information being available and verifiable. Your Policy Wording contains important terms, conditions and instructions on pre-certification procedures. Please ensure you carefully adhere to these.

Failure to follow pre-certification procedures may invalidate your claim or in certain circumstances result in a loss or reduction of cover.