Hot Topics

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.
Are Dental Treatments Covered?
Whether dental treatment is included or not depends on what level of cover you choose.
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 Will Affect My Premium In Future?
Premiums are rising over time, and will continue to rise. There are a number of reasons for this, as detailed below.
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.

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:

  • Questionnaire - a detailed questionnaire about your medical history which you will sign and date.
  • Letter to your GP - the insurance company may send a letter to your GP asking them to verify your health.
  • Medical examination - some insurers demand this.
  • Moratorium agreement - this type of agreement means you don't need to provide any medical history at all. Pre-existing conditions which have arisen in the last 2-5 years (depending on the insurer) will not be insured.