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Hot Topics
- What Does The Term ‘day-patient' Mean?
- This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.
- 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.
- Do Insurers Have a Money-Back Guarantee?
- If you decide that you don't want to take out your private medical insurance policy, most insurers offer a money-back guarantee.
- What Happens If I Want To Move To Another Insurer?
- If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.
- Is Private Medical Insurance Regulated?
- Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.
What Do I Do If I Have a Complaint?
Your insurance company will have a complaints procedure in place - a stipulation of the Financial Services Authority (FSA).
If you have a problem with any part of your cover then the first course of action is to speak to your insurer or adviser. They will deal with your complaint. However if you are not satisfied with the way in which your complaint is dealt with, then there will be an independent dispute-resolution procedure.
All insurance companies and insurance brokers who sell insurance are now regulated by the Financial Services Authority. You'll find full details of how to complain within their terms of business which you'll find on their website. They'll also send details of their complaints procedure in the post if you decide to apply for insurance cover through them.
- How does excess work in medical insurance ?
- What details do i need to give to prove my health ?
- Does it make any difference if i buy my medical insurance through a broker ?
- What does the term day patient mean ?
- What happens if i want to move to another insurer ?
- Who do I ask for advice on where to buy medical insurance ?
- What are the different levels of cover available ?
- What does the term inpatient mean ?