Health insurance FAQs

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Find answers to frequently asked questions about Private Medical Insurance, including cover for chronic conditions, benefits, cost and exclusions.

Frequently Asked Questions


What extra benefits can I get with private medical insurance?

Some insurers offer benefits and discounts to incentivise policyholders to stay healthy. These include: 1) discounts at high street retailers, 2) discounts on luxury weekend breaks and family holidays, 3) up to 50% off gym membership (including Virgin Active and David Lloyd) and weight loss group fees, and 4) 20% off car hire.


Will private medical insurance cover my present condition?

In short, no. Private health insurance won’t cover any pre-existing condition straight away. However, after a set period of time – usually two years – your insurance may cover that condition, providing certain criteria are met.


What are chronic conditions, and are they covered by my insurance?

Chronic conditions are long-term ailments – such as asthma and diabetes – that are considered incurable, but which can be controlled with regular medication. As chronic conditions can generally be managed by the NHS, they are rarely covered by private health care insurance.


What is the best way to buy private medical insurance (PMI)?

As an intermediary, we naturally believe our approach is the best way to buy PMI. Simply fill out a short quote form, and one of our knowledgeable, expert advisers will contact you to offer FREE advice, guidance and a no-obligation quote based on your personal circumstances. This process enables us to tailor your quote to your exact requirements, and find the PMI policy that best suits your needs, and your budget.


How much does PMI cover cost, and what affects the price I pay?

PMI premiums vary greatly from person to person, as they’re based on a range of factors including your age, your postcode, the underwriting method, and the level of cover you require. Some insurers offer a no-claims discount, which works in the same way as your home or car insurance – as a reward for not making a claim on your policy.

Other insurers offer discounts for non-smokers, and customers with a health body mass index (BMI). Our expert advisers can provide more details on the discounts provided by our recommended insurers.

We compare thousands of policies from the UK’s leading insurers to save you money on comprehensive private medical insurance for you, your family, and your employees. Contact us today for the best private medical insurance cover at the best possible price.

We’re so confident you won’t find your insurance cheaper, that we offer a price match guarantee.


Do premiums increase with age? How much will they increase by every year?

In general, premiums increase every year as you age. The amount they increase by depends on your insurer, and other factors such as your claims history.


I have a limited budget – are there any options available to me?

Yes. PMI plans can be tailored to suit your exact needs. All PMI policies have different options that you can add or exclude to fit your budget, such as reducing your outpatient cover or adding a six-week option. Another way to make your premiums more affordable is to add an optional excess.


Are there things no PMI insurer will cover?

All insurers have a standard list of ‘general exclusions’ that they don’t cover. These can include: HIV/Aids, war, riots, self-inflicted ailments and chronic conditions. For example, alcohol and drug addictions are excluded because all insurers classify them as self-inflicted.


Which private health insurance provider is the best for senior citizens?

No insurer specialises in senior cover, however, all insurers offer policies that cover ailments an older person may develop. The insurer that’s best for you depends on your personal circumstances.


If I take out private medical insurance, can I see a private GP?

Some policies allow you to see a private GP quickly, but this will increase your premium. Some insurers now offer virtual GP services as standard, which enables you to see a GP via Skype without increasing your premium.


What are the different types of underwriting?

Moratorium underwriting – sometimes called mori – doesn’t require you to divulge any medical history. This option excludes pre-existing conditions you’ve had for five years before starting the policy, meaning anything you’ve had symptoms of, treatment or medication for, or advice about within the past five years. After a two year period, provided certain conditions are met, these conditions may be covered.

Full medical underwriting requires you to disclose full details of previous and current medical conditions, and any medication you are taking.

The insurer may then choose to exclude these conditions from your cover – however, no medical is required.

For more information on underwriting, read the Usay Compare Guide to private medical insurance.


Useful health insurance guides

We know insurance isn’t always the easiest subject to understand, so we’ve produced a range of helpful, plain English guides to clear up any confusion and answer your questions. Choose a guide from the list below to find out more about private medical insurance.
View all the guides

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