Hot Topics

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.
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 Will Affect My Premium In Future?: Premiums are rising over time, and will continue to rise. There are a number of reasons for this, as detailed below.
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:
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.

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.

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