Hot Topics

What Is Not Covered By Private Medical Insurance?: Private Medical Insurance plans do not cover chronic or critical illnesses which cannot be cured, for example multiple sclerosis, asthma or diabetes.
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.
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.
What Is a ‘moratorium' Cover?: Moratorium cover means to take a private medical insurance policy without providing any medical history.
How Do I Make a Claim?: When you receive your insurance documents, you will receive a full client information pack with Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.

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.

This is defined as a medical condition which has been diagnosed, has required medical treatment or for which you have sought medical advice before signing up for the insurance plan.

This area of PMI is not always clear cut, but your insurance policy should clearly stipulate the time period in which pre-existing medical conditions are exempt from the policy, for example it may be that if you sought medical advice over two years ago for the complaint then your insurance will cover you.

Some insurance policies will allow a pre-existing medical condition in exchange for higher premiums - as long as full details are provided from the outset.

The rules about pre-existing medical conditions can make it difficult for people to change insurers - especially as they get older and have suffered from more medical complaints.