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.
Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
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.
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.
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 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.

Only the higher levels of private medical insurance cover this level of treatment, in which you do not need to have a serious enough condition to have an operation. If you do require this level of cover for the ultimate peace of mind, make sure that you get the most comprehensive level of cover. This will cost considerably more than the lower levels of cover.

Example: if you are suffering from an in-growing toenail which requires hospital attention and treatment, you will be classed as an out-patient.