Private Medical Insurance is designed to cover the costs of treatment for short term illnesses and injuries, commonly known as “acute” conditions. Insurer’s typically use the Association of British Insurer’s definition for an “acute” condition, which is defined as: “An acute condition is a disease, illness or injury that is likely to respond quickly to [...]

Members/companies can select the level of cover they wish to be insured for. Private Medical Insurance policies are not designed to replace all services offered by the NHS. For example, Accident & Emergency treatment is typically covered under NHS services, as they are beyond the scope of most Private Hospitals, together with the inability to [...]

As mentioned above, Private Medical Insurance policies do not cover members for “chronic” conditions. A chronic condition is defined by the Association of British Insurer’s as; A disease, illness or injury that has one or more of the following characteristics: It requires ongoing or long-term monitoring through consultations, examinations, check-ups or tests. It requires ongoing [...]

There are a few determining factors that affect the premium costs. These are as follows: The member’s age The claims history The underwriting method The level of cover on the policy and the choice of hospitals covered Cost containment features used such as an excess or an outpatient limit Height, weight and smoker status Insurance [...]

Your premium can go up as well as reduce, even if you do not claim. The reason that premium costs typically increase year on year, is that the member is due to member age increases, medical inflation is running at a much higher pace than CPI/RPI inflation and there have been Insurance Premium Tax rises [...]

Private Medical Insurance is unlike car insurance or home contents insurance, which are primarily cost driven. We encourage our clients to be fully medically underwritten as early as possible, as this where they are least likely to carry pre-existing medical conditions. This enables clients to carry with them their underwriting terms, with a minimal amount [...]