Hot Topics

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.
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:
What Is a ‘moratorium' Cover?
Moratorium cover means to take a private medical insurance policy without providing any medical history.
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.
Is Private Medical Insurance Regulated?
Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.

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.