Hot Topics

Are Dental Treatments Covered?: Whether dental treatment is included or not depends on what level of cover you choose.
What Are The Different Levels Of Cover Available To Me?: Different insurance companies word their types of cover in different ways, however here we should be able to give you a good idea of the basics.
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.
Can I Choose The Hospital For Treatment?: When you first sign up for your policy you will choose the hospital that you wish to be treated at. It's up to you to make sure that the hospital has a good reputation, is at a convenient distance, and offers good all-round services.
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 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.

This simply means that the underwriting company of the new plan will offer you cover on the same terms as the previous plan, and a good professional adviser specialising in this area should be able to help. This also means if you have had claims or exclusions from cover, these too will be carried forward or considered by the new insurer.

This CPME transfer method means that you have continuity of cover if you are presently undergoing treatment, or if you have had treatment in the recent past and are concerned that the condition may reoccur.

Incidentally, you may like to know that (See what exactly is PMI ?)