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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 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.
What does the term ‘out-patient' mean?: This is the term that most private medical insurance policies use for treatment given at a hospital which does not require an overnight stay, or any recovery time.
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 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 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.

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