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.
I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?: Private medical insurance does not normally cover a pre-existing medical condition.
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.
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.
How Do I Make a Claim?: When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

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.

Many, but not all budget insurance policies cover this level of care. It's important that you check out exactly what is and what isn't included in your cover before you make your final decision.

Example: if you suffer a hernia and have an operation that does not require an overnight stay, you will be classed as a day-patient.