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 ‘day-patient' Mean?: This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.
Does It Make Any Difference if I Buy My Private Medical Insurance Through a Broker?: The Association of British Insurers (ABI) claims that in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance companies.
What Happens If I Want To Move To Another Insurer?: If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.
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.

What Does The Term 'day-patient' Mean?

This is the term that most private medical insurance policies use for hospital treatment that does not require an overnight stay, but does require a visit to the hospital, and a period of medical supervised recovery.

Many, but not all budget insurance policies cover this level of care. It's important that you check out exactly what is and what isn't included in your cover before you make your final decision.

Example: if you suffer a hernia and have an operation that does not require an overnight stay, you will be classed as a day-patient.