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Frequently asked private medical cover questions
Here are some of the most
frequently asked questions we hear about private medical insurance in the UK,
and some answers we think might clarify your choices.
What is a private medical insurance, or health
care scheme?
Quality private medical insurance schemes
in the UK generally offer a number of levels, which
can
cover the cost of consultations,
tests
and operations
in
a
private
hospital,
without waiting lists. Insurance cover plans
are typically sold for a year long policy and
can be paid monthly or annually.
Where can I get a cheap
online quote and more information?
Click on this button for
an instant, cheap
online quote for reliable UK
Online private medical insurance:
What Is standard and comprehensive
Insurance?
Standard policies usually provide
for in-patient or day care treatment,
home care and convalescence.
Standard insurance does not usually provide
for extensive out-patient treatment or the like.
Comprehensive health cover schemes provide full
treatment cover as well as extended outpatient, maternity
care
and
convalescent
services.
What's a moratorium?
A moratorium simply means "drawing a line" .
With moratorium cover your medical
history is not a limiting factor to your
insurance
cover, so you don't need to supply it. However
your insurer can also draw a line and refuse to
cover
any medical
condition
you
have had
in the last 2-5 years, or limit the cover provided
for pre-existing conditions for a period of, say,
two or three years of insurance.
What is not included?
UK Online insurance plans generally
are designed to cover treatment of short
term illnesses
or
injury. Certain illnesses and medical treatments
may be precluded by an insurer.
Standard insurance schemes usually provide
for in patient, day care treatment, post
hospital treatment and some nursing at home.
Standard insurance schemes don't usually cover extensive
out patient or maternity care. Comprehensive schemes
provide cover
for outpatient care, maternity care and
specialists. Comprehensive medical insurance
schemes
are more expensive than standard
ones.
Do I need a medical examination?
For high levels of comprehensive cover
a full medical may be required. Many standard schemes
do not require an examination, and moratorium schemes
certainly do not.
Conditions excluded from moratorium cover are only
excluded for the
first two years of the new policy, after which
the condition is covered in full, assuming that
you did
not receive treatment for it during the two years.
Does age stop me being insured?
No, but as you get older, premiums for certain benefits
do rise.
Can I use any hospital in the UK?
Insurers will have a list of hospitals they consider
as "approved" by them, but the list is huge, comprising
many hundreds of hospitals throughout Britain. And
specialist hospitals are included in these lists.
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