Hot Topics

Are Dental Treatments Covered?
Whether dental treatment is included or not depends on what level of cover you choose.
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 Is a ‘moratorium' Cover?
Moratorium cover means to take a private medical insurance policy without providing any medical history.
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 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.