Hot Topics

What Does The Term ‘day-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.
Where Would I Get Treatment?: 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?: 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.
I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?: Private medical insurance does not normally cover a pre-existing medical condition.
Do Insurers Have a Money-Back Guarantee?: If you decide that you don't want to take out your private medical insurance policy, most insurers offer a money-back guarantee.

What Happens If I Want To Move To Another Insurer?

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.

This simply means that the underwriting company of the new plan will offer you cover on the same terms as the previous plan, and a good professional adviser specialising in this area should be able to help. This also means if you have had claims or exclusions from cover, these too will be carried forward or considered by the new insurer.

This CPME transfer method means that you have continuity of cover if you are presently undergoing treatment, or if you have had treatment in the recent past and are concerned that the condition may reoccur.

Incidentally, you may like to know that (See what exactly is PMI ?)

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