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Hot Topics
- 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.
- 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.
- 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:
- How Do I Make a Claim?
- When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.
What Is a 'moratorium' Cover?
Moratorium cover means to take a private medical insurance policy without providing any medical history.
This is the most common and cost effective way of obtaining PMI, especially if you (and your family) are fit and well, and have no pre-existing conditions.
If you do have pre-existing conditions - they will not be covered for a stipulated period. This could be 2-5 years depending on the insurer.
After the stipulated period the Moratorium will be allowed to include the pre-existing condition, as long as you have not had medical treatment or advice relating to the complaint during the stipulated period.
The advantage to a Moratorium plan is that they are very quick and easy to set up - however you need to carefully consider what medical treatment you have had in the last 2-5 years and whether or not such conditions may re-occur.
Make sure before you take out your policy that you are clear on the terms of the Moratorium, and how far back your insurer considers pre-existing conditions.
- What details do i need to give to prove my health ?
- Does it make any difference if i buy my medical insurance through a broker ?
- How do i buy private medical insurance ?
- Will my premiums increase as I get older ?
- What is medical history declaration cover ?
- Can I get private medical insurance if i am disabled ?
- How does private medical insurance work ?
- Where would i get treatment ?
- What happens if i have a medical emergency ?
- Who do I ask for advice on where to buy medical insurance ?
- What is covered by private medical insurance ?
- What are the different levels of cover available ?