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Frequently asked private medical cover questions
Here are some of the most frequently
asked questions about private medical insurance
in the UK, and some answers which might clarify
matters.
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 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 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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