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How does private medical insurance work?: 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 Not Covered By Private Medical Insurance?: Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.
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.
Is Private Medical Insurance Regulated?: Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.

Do Insurers Have a Money-Back Guarantee?

If you decide that you don't want to take out your private medical insurance policy, most insurers offer a money-back guarantee.

This gives you the freedom to check your insurance documents in full, and then cancel your agreement. As long as you cancel the agreement within 30 days and provided you have not made a claim, your premium will be fully refunded.

If you cancel after 30 days then you will not be entitled to a refund. However you are free to cancel your private medical insurance policy at any point, without any cancellation fees.