As the uptake in UK private health insurance is increasing, you may wonder how health insurance works? If you are new to health insurance, let us help you understand how it works in practical terms. It is important to remember that health insurance (also known as PMI) does not replace the NHS. Health insurance works alongside the NHS and the premium you pay will dictate the benefits and cover you receive. If you want to be able to have access to private treatment for everything, then you will need to buy a fully comprehensive policy. You may even need to…

When you buy private medical insurance, all insurers are keen to let you know what is covered, however, do they make it clear what isn’t covered by private medical insurance? Yes, you can look through the small print, but do you understand what it means in reality? Personal medical exclusions on your private medical insurance When you buy a policy with full medical underwriting, your insurance provider will issue a certificate. On this certificate, any personal medical exclusions will be shown. The underwriters will have made this decision based on the application form you completed. Your personal medical history and…

You may ask yourself about the advantages of private healthcare. Why do you even need a private medical insurance policy in the UK? We have the NHS – surely that provides you with all the hospital treatment you can ever need? Well, maybe it would be beneficial to think about your medical treatment in more detail. 5 major advantages of private healthcare: Choice of hospital/ consultant Speedy access to diagnostic testing Treatments and appointments at a time to suit you The latest drugs and technology A private room   Choosing your hospital/facility or consultant Being able to choose where you…