Hot Topics

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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