Hot Topics
- What Does The Term ‘day-patient' Mean?
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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?
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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.
- 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.
- Will My Premiums Increase As I Get Older?
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Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
- What Details Will I Need To Provide To Prove My Health?
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When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:
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.
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