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- How Do I Buy Private Medical Insurance?
- You can buy private medical insurance from a variety of sources, there are now at least thirty four Insurance companies and many more brokers who specialise in Private Medical Insurance.
- 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 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 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.
- 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.
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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