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Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
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.
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 Happens If I Have a Medical Emergency?

Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital - you will receive normal NHS treatment.

This is because most private hospitals do not have accident and emergency facilities. Also, in an emergency there is no time to make the distinction between private and NHS care.

After the emergency has passed, you may well be eligible to make a claim on your insurance and receive your after-care privately. You will then be transferred either to a private ward within an NHS hospital, or to a private hospital to receive the rest of your treatment, and to be returned to full health.