Hot Topics

What Is Covered By Private Medical Insurance?: Private Medical Insurance is designed to cover only treatment for curable, short term illness or injury. Some illnesses and treatments can never be expected to be included in any policy.
What Happens If I Have a Medical Emergency?: Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
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.
What Details Will I Need To Provide To Prove My Health?: When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:
How Do I Make a Claim?: When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

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 from Hifac PMI, the appointed healthcare specialists for Brokers Online.

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