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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.
What Is Not Covered By Private Medical Insurance?: Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.
What Are The Different Levels Of Cover Available To Me?: Different insurance companies word their types of cover in different ways, however here we should be able to give you a good idea of the basics.
What Details Will I Need To Provide To Prove My Health?: 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:
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.

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.

If you have an accident or fall ill with one of the conditions included in your medical insurance policy, then you will be able, once you have been referred to your GP for an initial diagnosis, to start using the benefits of your private medical insurance. Once you have checked with your insurance company and are sure that you are covered, you will be referred to a private consultant rather than a NHS consultant, who will take care of your case and ensure that you receive any treatment or surgery privately. You will either be reimbursed or your insurance company will pay the medical bills from the outset, depending on their usual policy.

You may be offered the option to take up a Voluntary Excess on your insurance, agreeing a sum that means if you make a claim, you will pay the agreed amount towards it. This could be £100 or more. The benefit to you is that your insurance premiums will be lower.

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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.