Hot Topics

What Is Not Covered By Private Medical Insurance?: Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.
Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
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.
Do Insurers Have a Money-Back Guarantee?: If you decide that you don't want to take out your private medical insurance policy, most insurers offer a money-back guarantee.
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.