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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.
- 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 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.
- 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.
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.
Your treatment could include surgery, specialist consultants, accommodation and care at a private hospital (or in a private ward of an NHS hospital) - and depending on the level of cover you choose, you can make a claim on your insurance and receive the treatment for free.
As with a car insurance policy, you will sign up for a year with a PMI company and pay your premiums either monthly, quarterly or annually. It is your choice whether to renew with your insurer each year or not. They will issue you with a renewal and details of your new premiums at renewal time.
However, before each renewal date our Health Insurance Partner, Insurancewide' Brokers, conduct a full market review for every client to ensure you're still getting the best value for money. Then advice is provided regarding you're renewal options. Its all part of our service.
- What details do i need to give to prove my health ?
- What does the term inpatient mean ?
- Will my premiums increase as I get older ?
- What do i do if i have a complaint ?
- Can i choose the hospital for treatment ?
- Who do I ask for advice on where to buy medical insurance ?
- What happens if i have a medical emergency ?
- How does private medical insurance work ?