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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.
Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
Who Do I Ask For Advice On Where To Buy My Private Medical Insurance?: When you are looking for private medical insurance it is well worth doing thorough research – not only to get the cheapest deal but to make sure that PMI is right for you.
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.
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.

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.

Many insurers now pre-authorise any in-patient treatment, this means that you must contact them before seeking treatment and incurring costs. They will then advise and support you on claim administration, which hospitals are to be used, specialist help etc.

If you are making a claim for out-patient treatment, you normally pay first and then make a claim afterwards using a routine claim form.

When you make a claim the administration will usually take around ten working days from the date the insurer receives all the necessary documents.

If in doubt - always ring your insurer first before seeking treatment and committing yourself to costs.