Hot Topics

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 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.
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.
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.
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 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.