Hot Topics

Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
What Does The Term ‘in-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
What Will Affect My Premium In Future?: Premiums are rising over time, and will continue to rise. There are a number of reasons for this, as detailed below.
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.
Is Private Medical Insurance Regulated?: Yes. The the Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.

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.

This is defined as a medical condition which has been diagnosed, has required medical treatment or for which you have sought medical advice before signing up for the insurance plan.

This area of PMI is not always clear cut, but your insurance policy should clearly stipulate the time period in which pre-existing medical conditions are exempt from the policy, for example it may be that if you sought medical advice over two years ago for the complaint then your insurance will cover you.

Some insurance policies will allow a pre-existing medical condition in exchange for higher premiums - as long as full details are provided from the outset.

The rules about pre-existing medical conditions can make it difficult for people to change insurers - especially as they get older and have suffered from more medical complaints.

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