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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.
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:
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.

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 proceedure in the post if you decide to apply for insurance cover through them.

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