Hot Topics

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.
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.
What Will Affect My Premium In Future?: Premiums are rising over time, and will continue to rise. There are a number of reasons for this, as detailed below.
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.
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.

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.