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What Exactly Is Private Medical Insurance (PMI)?: Private Medical Insurance (or Private Health Insurance as it is sometimes known) insures you against the costs of private medical treatment for curable short-term or ‘acute' medical conditions.
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.
Where Would I Get Treatment?: There are a number of private hospitals in the UK – in your area there will probably be at least two hospitals at a convenient distance, depending on whether you live near a town or city.
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.
Is Private Medical Insurance Regulated?: Yes. The the Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.

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.

Choosing to pay an excess will lower the cost of your premiums, however you have to decide if getting an excess is a good idea. For example, if you have comprehensive insurance and dental treatment is covered as well as all minor ailments, you may find that you are paying out too much because of the excess rule.

If you are choosing a budget insurance policy because you cannot afford more, you may find that paying the excess discourages you from making a claim. In which case there is no point getting PMI at all!

To get advice on whether an excess would be appropriate for you, click Apply Now and a specialist health insurance adviser will call you back. You'll find their advice invaluable and its free and without obligation

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