Hot Topics

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.
What Happens If I Have a Medical Emergency?: 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?: 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.
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.
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.

How Do I Buy Private Medical Insurance?

You can buy private medical insurance from a variety of sources, there are now at least thirty four Insurance companies and many more brokers who specialise in Private Medical Insurance.

You can either deal direct with an insurance company, use an insurance broker or agent`s (including banks, building societies and retail outlets), or go through an independent advisor. Most of these options can be dealt with either over the internet, face to face, over the phone or by post. You will be provided with the full details of the policy and when you have made your mind up, you will fill out an application form and return it to the insurer. If you are not provided with full information at the time of completing your application form, you will be granted a 14 day cooling off period, in which you will be free to change your mind and cancel the policy. Beyond that time, if you cancel your policy you will not be eligible for a refund of the premiums already paid.

Many people end up phoning the Insurance Companies they recognise such as Bupa or Norwich Union. But quite honestly, that's not the wise way to go about it. With so many Insurance Companies in the market, each will provide a range of policies and a host of options to consider.

You need specialist advice if you're going to get the best value for your hard earned money!

That's why Brokers Online have teamed up with Hifacs PMI who, in our opinion, are the most professional specialist health insurance broker in the UK. Test them out for yourself. Their advice is free - without obligation. Simply click on Apply now !

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Hot Topics

How Do I Buy Private Medical Insurance?

You can buy private medical insurance from a variety of sources, there are now at least thirty four Insurance companies and many more brokers who specialise in Private Medical Insurance.