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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.
- 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.
- 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.
- Will My Premiums Increase As I Get Older?
- Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
- Is Private Medical Insurance Regulated?
- Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.
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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