Private Health Insurance FAQ

Frequently Asked Questions About PMI


What extra benefits do I get with health insurance?  Some insurers offer benefits such as: 1) discounts at certain high street retailers; 2) discounts on luxury weekend breaks and family holidays; 3) up to 50% off local gym memberships (including Virgin Active) and weight loss group fees; as well as 4) 20% off car hire (for your holiday).

Will health insurance cover my present condition?  In short, no. Private medical insurance will not cover any pre-existing condition straight away. However, given a period of time (usually 2 years) that condition may then be covered by an insurer, providing certain criteria are met. Insurers will also not cover what are called chronic conditions.

What are Chronic Conditions?  Chronic conditions are long term ailments deemed as incurable but can be controlled with regular medication. Examples include asthma and diabetes; these conditions can continue to be managed by the NHS. Conditions such as these are not normally covered by PMI, however PMI will still cover other unrelated conditions.

What’s the best way to buy health insurance?  As an intermediary, we naturally think that our approach is the best way to buy PMI. This is slightly different than that for car or home insurance. The first step is to fill out a short quote form. Next, an adviser will contact you to offer advice, guidance and a free no-obligation health insurance quote based on your own personal circumstances. This longer process is due to the personalised nature of the product, and enables us to better match you with the best policy.

What is the cost of PMI? How much are health insurance premiums per month?  PMI premiums vary greatly as they are based on a number of different factors (including age, postcode, underwriting method and level of cover). The different insurers will offer various discounts on the main policy price. One of these is the no-claims discount, which is awarded (as in home and car insurance) for not making a claim on the policy.

Some insurers don’t offer claims discounts, enquire with our team to find out which ones do and don’t.

Some insurers will offer discounts for things like not-smoking and having an acceptable BMI. Ask one of our advisers for more details on this.

Comparing PMI with Usay Compare means you can save money on your premium; we compare thousands of policies from the UK’s leading insurers so we can guarantee our premiums will be the best you can find or we will offer our price match guarantee.

How much do premiums increase with age for health insurance?  In general, premiums will increase every year (this is a fact of the industry) as the client ages; however, it is hard to give a specific increase per year as it will vary greatly between insurers and other factors such as claim 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 can be chosen or left out, such as reducing your outpatient cover or adding a 6 week option. Making use of these can make your policy more affordable. Alternatively you can opt to include an excess which will also help reduce the premium.

Is anything not included (known as exclusions) as standard on a PMI policy?  All insurers have a standard list of “general exclusions” which aren’t included. These exclusions can include: HIV / Aids, War, riots, self-inflicted ailments and Chronic Conditions. For example, alcohol or drug addiction is excluded because all insurers classify them as self-inflicted.

Which health insurance is the best for senior citizens?  No insurer specialises in senior cover, however, all insurers offer policies that cover ailments that an older person may develop. Which insurer is right for you depends on your personal circumstances.

If I take out health insurance can I see a private GP?  Some policies do allow you to see a private GP quickly, but this will increase your premium. Some insurers are now offering virtual GP services as standard however, which will allow you to see a GP via Skype without increasing your premium.

What are the different types of underwriting like moratorium?  Moratorium underwriting does not require you to divulge any medical history. The Moratorium excludes pre-existing conditions you’ve had for 5 years before starting the policy. This is anything that you have had symptoms of, treatment or medication for or advice about within the previous five years.

After a two year period, provided certain conditions are met, they may be covered.

Alternatively, there is a Full Medical Underwriting process in which you will be required to complete details of previous / current medical conditions, and the medication you are taking.

The insurer may then choose to exclude this condition from your cover; however NO medical is required.

For more information on underwriting, please consult our PMI Guide here.

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