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- 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.
- What Does The Term ‘in-patient' Mean?
- This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.
- 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 Is a ‘moratorium' Cover?
- Moratorium cover means to take a private medical insurance policy without providing any medical history.
- Is Private Medical Insurance Regulated?
- Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.
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.
However, if you suddenly fall ill unexpectedly with a chronic condition most PMI policies will pay the cost of treatment for stabilising your condition and returning you to your previous level of health if this is possible.
Insurance policies have a list of exclusions and the most common among these include drug/alcohol abuse, self-inflicted injuries, gender reassignment, cosmetic surgery (except after a disfiguring illness or accident), organ transplants, private GP consultations, HIV and/or AIDS, injuries arising from dangerous sports, infertility, normal pregnancy and sterilisation treatment.
Important: when you seek private medical treatment you must be referred by a GP - if you go straight to a private specialist then you will not be able to make a claim.
- What details do i need to give to prove my health ?
- What exactly is private medical insurance ?
- I have a pre-exisitng medical condition, does it affect my insurance ?
- What is covered by private medical insurance ?
- Who do I ask for advice on where to buy medical insurance ?
- What is medical history declaration cover ?
- What happens if i have a medical emergency ?
- Do insurers have a money back guarantee ?
- Can I get private medical insurance if i am disabled ?
- How do i make a claim ?
- Will my premiums increase as I get older ?
- How is private medical insurance regulated ?
- What does the term day patient mean ?
- What does the term outpatient mean ?