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Health Insurance FAQ

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What does Private Medical Insurance mean?

In UK Private Medical Insurance (PMI) simply means insuring yourself against the heavy expenses of getting a private medical treatment for acute (curable) medical conditions.

Why does anyone need PMI despite of National Health Service (NHS)?

While NHS is good for people who can wait for a long time before being treated, PMI is for people who want to get prompt medical attention without having to wait. One can have PMI to avail of the best medical services and get treatment at the best hospitals by insuring the cost of treatment.

What are the benefits of having a health insurance in UK?

In UK health insurance is a must considering the cost of getting a medical treatment. PMI or UK health insurance will give you:

Faster treatment
Option to choose the surgeons and specialists
Treatment at the hospital of your choice (Out of the insurance company’s list)
Treatment in the NHS private wings
Personal rooms and privacy

You can select from a whole lot of options available with your policy and the level of cover you want.

What is not covered under UK health insurance policies?

Health insurance in UK does not cover patients with chronic diseases i.e. diseases that cannot be cured. E.g. Asthma, AIDS etc. The UK health insurance also does not cover any pre-existing medical conditions. However, some companies do cover pre-existing medical conditions if you have been symptom free, medication free or treatment free for the last two years (usually). Conditions that have been considered as cured by a specialist for over five years are also covered in case they re-occur.

What are the medical history details that I need to provide for getting a Health insurance in UK?

You can apply for a UK health insurance by the following ways:

Medical History Declaration

The insurance company will ask you to fill up a form giving details of your medical history. The insurance company might even write to your GP to find out more details about your medical history. It is important to furnish all the details correctly and honestly. Do not try to hide any information as it may lead to rejection of your claim in the future or cancellation of your insurance policy.

Moratorium

You are not required to furnish your medical history details while filling up the form. The insurer will simply not cover you for any medical condition that existed in the last 5 years (usually). You might get cover for these conditions if you have been symptom free, medication free or treatment free for the last two years (usually).