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- 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.
- What Details Will I Need To Provide To Prove My Health?
- When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:
- 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.
- Is Private Medical Insurance Regulated?
- Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.
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.