The admitting doctor must complete a pre-authorization form and sent to us prior to the admission/procedure. Jubilee Insurance will then confirm eligibility, verify the Benefit Limits and issue an approval to the provider authorizing the treatment where covered. For emergency admissions, Jubilee Insurance must be advised within 48 hours of admission in order to obtain authorization before you leave the hospital. At the hospital and before discharge, you will be required to complete and sign a Jubilee claim form. Failure to pre-authorize treatment may invalidate a claim. A number of benefits require pre-authorization. These include all inpatient, maternity, dental optical among other benefits.