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 ‘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.
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.
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.
How Do I Make a Claim?: When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

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.