Hot Topics

How Do I Buy Private Medical Insurance?: You can buy private medical insurance from a variety of sources, there are now at least thirty four Insurance companies and many more brokers who specialise in Private Medical Insurance.
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.
What does the term ‘out-patient' mean?: This is the term that most private medical insurance policies use for treatment given at a hospital which does not require an overnight stay, or any recovery time.
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.
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.

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.