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Hot Topics
- What does the term ‘out-patient' mean?
- This is the term that most private medical insurance policies use for treatment given at a hospital which does not require an overnight stay, or any recovery time.
- What Happens If I Have a Medical Emergency?
- Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
- I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?
- Private medical insurance does not normally cover a pre-existing medical condition.
- Will My Premiums Increase As I Get Older?
- Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
- Does It Make Any Difference if I Buy My Private Medical Insurance Through a Broker?
- The Association of British Insurers (ABI) claims that in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance companies.
Are Dental Treatments Covered?
Whether dental treatment is included or not depends on what level of cover you choose.
A basic budget policy will not include normal dental treatment, however if you have an accident and your teeth are knocked out for example, and you have what is a 'dental emergency' - you may well be insured for private treatment.
With a higher, comprehensive level of cover, dental treatment will usually be included. If this is a requirement of yours, shop around to find a private medical insurance policy which does offer this type of cover. After all, most dentists are private now, so costs for routine dental treatment can be high.
You may find that your insurance policy will offer you a 50% refund on all dental treatment including check ups.
If you have a pre-existing condition for example a history of heart disease, you will not be covered for any related claims.
- How do i make a claim ?
- What details do i need to give to prove my health ?
- What does the term inpatient mean ?
- What happens if i have a medical emergency ?
- Do insurers have a money back guarantee ?
- I have a pre-exisitng medical condition, does it affect my insurance ?
- Where would i get treatment ?
- Does it make any difference if i buy my medical insurance through a broker ?
- What exactly is private medical insurance ?
- How do i buy private medical insurance ?
- What does the term day patient mean ?
- How does private medical insurance work ?
- What is covered by private medical insurance ?