Private Medical Insurance FAQ's

Frequently Asked Questions related to the above topic.
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• Hot Topics

  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.

  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.

  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.

  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 Happens If I Want To Move To Another Insurer?

  If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.

  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?