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Guide to patients
In order for us to settle a claim, all costs associated with the pre-agreed treatment must be considered necessary and reasonable. 
Surgeon and Anaesthetists fees
CS Healthcare will reimburse you the fees which we consider customary and reasonable, as per our fee schedule. Whilst most Consultants/Specialists will usually charge a patient within our guidelines, a minority may not. 
A Consultant/Specialist will consider the agreement to treat a person as a contract between himself and the patient, and if they are unwilling to bill according to our customary and reasonable fees, this could result in you having a shortfall which the Consultant will consider your responsibility. In the event that your treatment is more complicated than the procedure described on your Claim Form, we can consider an enhanced fee on receipt of a supporting letter from your Consultant/Specialist. 
A Surgeon’s Fee will cover the cost of the surgical procedure according to the relevant Clinical Classification and Schedule of Development (CCSD) code and complexity of the procedure. It will also cover the period of post-operative supervision according to the average expected length of stay associated to the procedure. If an admission goes over the expected length of stay for a reason of medical necessity a further daily fee will be considered on submission of a medical update. 
Where a surgeon administers local anaesthesia or IV sedation (AC100) we will also pay an additional fee to the main procedure. 
Please note: Local anaesthetic by main operator should be integral for minor procedures. Providers can contact our Provider Services Team on 020 8247 4058* to find out which procedures AC100 can be billed in conjunction with. 
An Anaesthetist's fee will cover the initial in-patient anaesthetic assessment, the cost of the anaesthetic including care in a critical care unit and pain relief within the first 24 hours directly following surgery. Should anaesthetic supervision be required following the initial 24 hours care in a Critical Care Unit, a further two days can be reimbursed for daily supervision. 
Where it is necessary for an anaesthetist to perform a pain relieving procedure in isolation (either outside the first post-operative 24 hours or to treat a condition) they will be reimbursed in the same manner as we manage a surgeon's fees. Local anaesthesia or IV sedation (AC100) will be paid in addition to the main procedure. 
Second Consultant/Specialist
If out of medical necessity there is the need for a second Consultant/Specialist to assist during a procedure, please contact the Managed Care Team for assistance. Fees for a surgical assistant are not covered. If a second Consultant/Specialist is to be present during a theatre time to perform a separate procedure under the same anaesthetic then they will be reimbursed accordingly using the allocated CCSD code. 
Standby Fees
Occasionally 'Standby' Fees are billed for Surgeons and Anaesthetist who may need to intervene in an event of an emergency. Where appropriate, these fees will be reimbursed according to the correct CCSD code. 
For more information on the amount of benefit we will pay towards the cost of your specialist charges please see the information on the Medical Fees page. 

*In the interest of continuously improving our services to members, your call will be recorded and may be monitored for training, quality assurance purposes and/or prevention and detection of crime.
"I have been with Bupa, Norwich Union and WPA during the past 36 years - CS Healthcare is like a breath of fresh air in this sector of the insurance industry."
Mrs V Tingley
Civil Service Healthcare Society Limited is incorporated under the Friendly Societies Act 1992, Register number 463F. Registered Office: Princess House, Horace Road, Kingston Upon Thames, Surrey KT1 2SL. Civil Service Healthcare Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority - Financial Services Register number 205346. Our products are covered by the Financial Services Compensation Scheme (FSCS).