Private Medical Insurance FAQ's

Frequently Asked Questions related to the above topic.
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  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.

  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.

  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.

  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.

  Is Private Medical Insurance Regulated?

  Yes. The Financial Services Authority (FSA) now regulates the sale of Private Medical Insurance.

  What exactly is private medical insurance (PMI)?
• How do I buy private medical insurance?
• What do i do if i have a complaint ?
• How does private medical insurance work?
• What is covered by private medical insurance?
• What is not covered by private medical insurance?
• Are dental treatments covered?
• What are the different levels of cover available to me?
• What does the term 'in-patient' mean?
• What does the term 'day-patient' mean?
• What does the term 'out-patient' mean?
• What happens if I have a medical emergency?
• Where would I get treatment?
• Can I choose the hospital for treatment?
• Who do I ask for advice on where to buy my private medical insurance?
• I have a pre-existing medical condition - how does this affect my insurance?
• How does 'excess' work in medical insurance?
• What will affect my premium in future?
• Will my premiums increase as I get older?
• What details will I need to provide to prove my health?
• What is a 'moratorium' cover?
• What is a 'medical history declaration' cover?
• Do insurers have a money-back guarantee?
• Does it make any difference if I buy my private medical insurance through a broker?
• What happens if I want to move to another insurer?
• Can I get private medical insurance if I am disabled?
• How do I make a claim?
• How is private medical insurance regulated?
• What do I do if I have a complaint?