Hot Topics

How Do I Buy Private Medical Insurance?: You can buy private medical insurance from a variety of sources, there are now at least thirty four Insurance companies and many more brokers who specialise in Private Medical Insurance.
Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
Who Do I Ask For Advice On Where To Buy My Private Medical Insurance?: When you are looking for private medical insurance it is well worth doing thorough research – not only to get the cheapest deal but to make sure that PMI is right for you.
Will My Premiums Increase As I Get Older?: Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
Does It Make Any Difference if I Buy My Private Medical Insurance Through a Broker?: The Association of British Insurers (ABI) claims that in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance companies.

What Is Covered By Private Medical Insurance?

Private Medical Insurance is designed to cover only treatment for curable, short term illness or injury. Some illnesses and treatments can never be expected to be included in any policy.

A standard or basic scheme will generally cover in-patient or day care treatment, post hospital treatment, nursing at home, emergency dental and complications of pregnancy.

To receive cover for out-patient, routine maternity or dental costs, you will need a higher standard of care - usually known as a comprehensive scheme. This always costs considerably more than a Standard plan.

If you have a pre-existing condition for example a history of heart disease, you will not be covered for any related claims.