Hot Topics

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.
What Happens If I Have a Medical Emergency?: Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
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.
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 Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.

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.

This gives you the freedom to check your insurance documents in full, and then cancel your agreement. As long as you cancel the agreement within 30 days and provided you have not made a claim, your premium will be fully refunded.

If you cancel after 30 days then you will not be entitled to a refund. However you are free to cancel your private medical insurance policy at any point, without any cancellation fees.