What is Private Medical Insurance?

Private Medical Insurance is designed to cover the cost of treatment in the comfort of a private hospital facility should you become ill.

Am I covered for pre-existing medical conditions?

Unless you declare your conditions, Private Healthcare does not cover you for pre-existing medical conditions or chronic conditions which are unlikely to be cured by treatment. Nor does the policy usually cover conditions which are related to pre-existing conditions. A related condition is one which is caused by, or could be the cause of, another condition.

How are the premiums calculated?

Your premium is calculated using a number of factors including your age and postcode and any existing medical conditions you may have The prices of our plans are reviewed at the annual renewal date. Premiums are calculated and charged according to individual ages for Essential, Expert Diagnostics and the Heart & Cancer options reflecting people being more likely to claim as they get older. However, age related premium increases currently stop once members reach the age of 80 years.

How long am I covered for?

Your membership will start on the agreed start date, following receipt and acceptance of your completed Proposal Form and premiums have been paid. Provided you continue to pay the premiums, and adhere to your responsibilities your cover can continue until you cancel your policy.

Do you cover emergency admissions?

EMERGENCY TREATMENT IS NOT COVERED; IN AN EMERGENCY YOU SHOULD CALL AN NHS AMBULANCE AND/OR VISIT AN NHS ACCIDENT AND EMERGENCY DEPARTMENT.