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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.
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.
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.
How Do I Make a Claim?
When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

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.

  • New treatments are always becoming available involving new drugs and technology, costing the medical industry and more and therefore affecting your premiums.
  • Premiums rise on an annual basis in line with Medical Inflation.
  • Government legislation affects premiums particularly if tax incentives to medical insurance plans are either allowed or excluded.
  • As you get older your premiums will increase because you are more likely to make a claim.

To lower your premiums you can agree to a Voluntary Excess, and it will also cost less if you pay annually rather than monthly.