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How does private medical insurance work?: Private Medical Insurance is exactly like car insurance or home insurance. It is only there in case you need it. Once you have chosen your policy, you will pay your premiums on a yearly, quarterly or monthly basis, whichever suits you best.
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.
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.
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.
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.

What Is a 'medical history declaration' Cover?

Medical history declaration cover refers to cover which is supported by a full medical questionnaire completed and signed by you.

In this form it is essential that you provide all the information required by insurers to avoid future questions or if you are very unfortunate, a rejection of your claim.

If you are not sure about a medical condition, then declare it anyway.

If you have a medical condition that may reoccur, the insurance company may exclude that particular condition, and then review the possibility for inclusion into the plan in later years.

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