FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents
Mortgage Payment Protection | Mortgage Life Insurance | Short Term Income Protection Insurance
Mortgages | Car Insurance | loans | Private Medical Insurance | Travel Insurance
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.
- What Are The Different Levels Of Cover Available To Me?
- Different insurance companies word their types of cover in different ways, however here we should be able to give you a good idea of the basics.
- What Happens If I Have a Medical Emergency?
- Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
- Who Do I Ask For Advice On Where To Buy My Private Medical Insurance?
- When you are looking for private medical insurance it is well worth doing thorough research – not only to get the cheapest deal but to make sure that PMI is right for you.
- What Details Will I Need To Provide To Prove My Health?
- When you sign up for a private medical insurance policy, there are a variety of ways in which your insurer may ask you to prove your health. We have detailed them below:
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.
- What details do i need to give to prove my health ?
- Does it make any difference if i buy my medical insurance through a broker ?
- How do i buy private medical insurance ?
- How does private medical insurance work ?
- What is medical history declaration cover ?
- How is private medical insurance regulated ?
- Who do I ask for advice on where to buy medical insurance ?
- Do insurers have a money back guarantee ?
- What does the term day patient mean ?
- What does the term inpatient mean ?
- What are the different levels of cover available ?