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I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?
Private medical insurance does not normally cover a pre-existing medical condition.
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 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.
What Is a ‘moratorium' Cover?
Moratorium cover means to take a private medical insurance policy without providing any medical history.
Does It Make Any Difference if I Buy My Private Medical Insurance Through a Broker?
The Association of British Insurers (ABI) claims that in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance companies.

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.

When you apply for private medical insurance you will be given a list of hospitals which you can use - normally grading them with "A, B or C" levels - with 'A' grades being the best and most expensive.

Some insurers will use their own, or preferred hospitals, for example BUPA have their own hospitals. You may have a choice of up to 180 hospitals nationwide.

Before signing up, it's imperative that you make sure that you have access to a hospital close by, and also to check that it has a good reputation.

To ensure you're insured for everything you need, simply click on Apply Now, and a specialist health insurance adviser will phone you from Hifac PMI, the appointed healthcare specialists for Brokers Online.



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