Hot Topics

What Does The Term ‘in-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
What Does The Term ‘day-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.
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.
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.
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.

Can I Choose The Hospital For Treatment?

When you first sign up for your policy you will choose the hospital that you wish to be treated at. It's up to you to make sure that the hospital has a good reputation, is at a convenient distance, and offers good all-round services.

You may find that your level of cover limits which hospitals you are allowed to use. Hospitals are graded from A - C depending on their quality and price - and the A grade hospitals are likely to be available only to those who have the higher levels of cover. If you are a budget customer you may find that the private hospital nearest to you is not actually available to you.

Make sure you check out all your options and make the right choices before you sign the agreement.

To ensure you're insured for everything you need, simply click on Apply Now, and a specialist health insurance adviser will phone you from Hifac PMI, the appointed healthcare specialists for Brokers Online.