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- How does private medical insurance work?
- Private Medical Insurance is exactly like car insurance or home insurance. It is only there in case you need it. Once you have chosen your policy, you will pay your premiums on a yearly, quarterly or monthly basis, whichever suits you best.
- Are Dental Treatments Covered?
- Whether dental treatment is included or not depends on what level of cover you choose.
- 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.
- 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.
- Is Private Medical Insurance Regulated?
- Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.
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.
If you have even the lowest level of cover you will be insured for staying in either a private hospital, or the private wing of an NHS hospital. Your insurance will also cover any further treatment or investigations related to your stay in hospital. The whole point of the insurance is to get you back to full health as quickly as possible, and therefore all aspects of your treatment are covered.
Example: if you are diagnosed with kidney stones and need to have an operation and a few days in hospital, you would be an in-patient.
- How does excess work in medical insurance ?
- Does it make any difference if i buy my medical insurance through a broker ?
- What happens if i want to move to another insurer ?
- Can i choose the hospital for treatment ?
- What do i do if i have a complaint ?
- Can I get private medical insurance if i am disabled ?
- Will my premiums increase as I get older ?
- How does private medical insurance work ?