Private Medical Insurance
Frequently Asked Questions

Taking out private medical insurance ensures that you receive high quality medical attention that is tailored to fit your individual circumstances. The policy can be taken out for yourself and often your family as well. It would give you peace of mind that you will have quick access to medical experts- for consultations, preventative health measures and medical treatment if required.

If you fall ill  and have a private medical insurance policy, you can expect to avoid lengthy NHS queues. The costs of the treatment you receive, expert medical advice, specialist treatment, high quality facilities in private hospitals (often with a private room) and a high standard of aftercare – can all be paid for by your insurer depending on which plan you own.

There are a lot of options available, in order to help suit your individual requirements and budget. You can choose individual cover, couples cover or family cover (designed to integrate any children you have onto your plan). Some policies only cover in-patient treatment, but there are many comprehensive plans that include outpatients and preventative measures as well. Also available are cover plans for expatriates, income protection policies and a lot of insurers also offer ‘add-ons’ for instance dental plans, therapies, maternity care and worldwide cover to name just a few.

Most medical insurance companies offer the option to cover your partner, children or both. Even a basic family plan can cover the whole family for consultations, tests, scans, surgical procedures and inpatient stays. Most plans offer the chance for unlimited visiting hours and a bed for a parent accompanying their inpatient child.

There are so many levels of cover and payment options available, private medical insurance has become more and more affordable over the years.  Please contact us for a no-obligation quote tailored to your circumstances. Likelihood is that it is more affordable than you expect.

The amount you will be expected to pay for excess in the event of a claim depends on the policy-type and the insurance company. Excesses start from £100. There are a number of policies available that have no compulsory excess. If your policy does have an excess, you can often lower your premiums by opting to paying a higher excess charge.

This will depend on the insurer and the nature of your pre-existing condition. Some policies may apply limitations on the cover or occasionally excluding the expense of a condition. However, quite often insurers will only apply these restrictions for the first 2 years of the policy. If there is no recurrence within the 2 years, the condition will be covered on normal terms.

Many companies are now integrating cancer care into some of their policies. Each insurer has their own rules and options, our advisors can help you obtain a quote that is relevant to your unique requirements and circumstances.

There can sometimes be an age restriction on private medical insurance.  The most common is for the maximum ages being 65, 74 and 99 – many policies do not have an age limit. Premiums tend to be higher as you age, but it does not necessarily mean you won’t be able to find an affordable policy. Some insurers focus on insuring the over 50s, therefore prices can vary.

Smoking does not prohibit you from taking out private medical insurance, but premiums will inevitably be higher than for those of a non-smoker due to the health risks associated with smoking. However, if you have not used tobacco products for 12 months or more this  can work in your favor when obtaining a quote.

 We will be able to give you a range of free quotes that suit your needs. By taking away the time and hassle of phoning lots of different companies to obtain a quote. We are independent of any one provider and are able to search the market – without bias – to find the best option for your budget and circumstances. You will be under no obligation to go ahead with the policy once you have been given quotes.

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