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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.
- 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.
- 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.
- 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.
- What Happens If I Want To Move To Another Insurer?
- If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.
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.
Budget cover - covers all treatment for short term, acute conditions; in-patient tests; surgery; accommodation within the hospital and nursing.
Standard cover - as above, with extended services such as physiotherapy treatment, radiotherapy and chemotherapy, 24 hour GP access, and cash payments for treatment received as an NHS in-patient.
Comprehensive cover - as above, with the addition of having specialist consultations, treatment and tests that are not related to a stay in hospital.
Treatment relating to a stay in hospital is called 'in-patient' treatment. All private medical insurance policies cover this type of treatment. It is the 'out-patient' treatments, i.e. those not related to a hospital stay or operation, that are not included in the budget policies.
To ensure you're insured for everything you need, simply click on Apply Now, and a specialist health insurance adviser will phone you.
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