Hot Topics
- Where Would I Get Treatment?
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There are a number of private hospitals in the UK – in your area there will probably be at least two hospitals at a convenient distance, depending on whether you live near a town or city.
- Can I Choose The Hospital For Treatment?
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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?
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Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
- What Is a ‘moratorium' Cover?
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Moratorium cover means to take a private medical insurance policy without providing any medical history.
- What Happens If I Want To Move To Another Insurer?
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If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.
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.
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