Hot Topics
- What Exactly Is Private Medical Insurance (PMI)?
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Private Medical Insurance (or Private Health Insurance as it is sometimes known) insures you against the costs of private medical treatment for curable short-term or ‘acute' medical conditions.
- How does private medical insurance work?
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Private Medical Insurance is exactly like car insurance or home insurance. It is only there in case you need it. Once you have chosen your policy, you will pay your premiums on a yearly, quarterly or monthly basis, whichever suits you best.
- What Is Covered By Private Medical Insurance?
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Private Medical Insurance is designed to cover only treatment for curable, short term illness or injury. Some illnesses and treatments can never be expected to be included in any policy.
- Where Would I Get Treatment?
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There are a number of private hospitals in the UK – in your area there will probably be at least two hospitals at a convenient distance, depending on whether you live near a town or city.
- How Does ‘excess' Work In Medical Insurance?
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When you take out a private medical insurance policy, you may be able to choose to include an ‘excess' payment. This means that if you make a claim you will have to pay this set amount towards the total cost of the claim.
Can I Get Private Medical Insurance If I Am Disabled?
You can still get private medical insurance if you are disabled. Insurance companies are not allowed to refuse you on this basis.
Your disability will be treated in the same way as a pre-existing condition, and any treatment that is needed in relation to your disability will not be covered.
Make sure than when signing up to your insurance policy you reveal all the relevant information about your disability. This is particularly important if you are signing a medical history declaration.
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