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.
What Does The Term ‘in-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
Can I Choose The Hospital For Treatment?: When you first sign up for your policy you will choose the hospital that you wish to be treated at. It's up to you to make sure that the hospital has a good reputation, is at a convenient distance, and offers good all-round services.
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.
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 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.