Hot Topics

What Are The Different Levels Of Cover Available To Me?: Different insurance companies word their types of cover in different ways, however here we should be able to give you a good idea of the basics.
Who Do I Ask For Advice On Where To Buy My Private Medical Insurance?: When you are looking for private medical insurance it is well worth doing thorough research – not only to get the cheapest deal but to make sure that PMI is right for you.
How Does ‘excess' Work In Medical Insurance?: When you take out a private medical insurance policy, you may be able to choose to include an ‘excess' payment. This means that if you make a claim you will have to pay this set amount towards the total cost of the claim.
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:
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 '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.