FAQs

There are three main things that normally cause people to take out private medical insurance plans.

The first of these three reasons is the higher level of choice that private medical insurance can offer its policy holders. This choice can range from being a choice of your preferred hospital to a choice of your favoured consultant. This means that people with private medical insurance are more likely to be able to feel comfortable in their environment and medical personnel than those who are on the NHS.

The second reason that people often have for opting for private medical insurance is the speed with which it enables you to receive your treatment. This is because most private hospitals have much shorter waiting lists than NHS hospitals, if they have a waiting list at all. This means that you are sure to receive your treatment as quickly as possible and it therefore often means that the treatment can be more effective.

The third reason that so many people choose to take out private medical insurance, is the fact that the quality of your care can often be much higher in private facilities than in hospitals run by the National Health Service. This is not to say that you will receive poor medical care from the NHS but simply that the less stretched budgets of private companies allow for a higher standard of hospital. What's more is that you will probably receive a private room if you receive treatment privately, this is often seen as one of the biggest plus points of being treated privately.

Health insurance plans are typically designed to provide cover for the treatment of what are referred to as acute medical conditions. Acute medical conditions are normally defined as short term illnesses, curable diseases or injuries. This means that if you have what is known as a "chronic condition", it is more than likely that it will not be covered by your health insurance plan. However it is still possible to take out health insurance plans if you have a chronic condition, the condition itself will simply be excluded from your plan. This means that if you suffer any other conditions that are deemed to be treatable and acute, you will still be covered for anything that is not linked to your pre-existing condition.

It is very important to check with us directly, before you decide to sign up to any form of agreement. We will be able to advise you based on your own personal medical history.

The quick answer to this question is, yes, you can. Although most people do not know which consultant is the correct one to see. Your GP can give you an open referral letter and let us with our experience help you choose the correct consultant for your particular medical problem. You can also choose the hospital you are treated in, we have two different hospital lists. It is very important you choose the correct hospital list whilst taking out your policy to make sure the hospital you want is included.