Private Medical Insurance FAQ's

Frequently Asked Questions related to the above topic.
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  What Is Covered By Private Medical Insurance?

  Private Medical Insurance is designed to cover only treatment for curable, short term illness or injury. Some illnesses and treatments can never be expected to be included in any policy.

  What Does The Term ‘in-patient' Mean?

  This is the term that most private medical insurance policies use for hospital treatment that requires a stay of one or more nights.

  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.

  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.

  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.

  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?