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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.
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.
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.
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.

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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