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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.
I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?: Private medical insurance does not normally cover a pre-existing medical condition.
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 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.

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.

To ensure you're insured for everything you need, simply click on Apply Now, and a specialist health insurance adviser will phone you from Hifac PMI, the appointed healthcare specialists for Brokers Online.

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