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Health Insurance Plans
We already know that what you want from health insurance plans is fast access to private hospitals at a time and place that suits you. We also know that, as far as health insurance policies go, it's definitely not a case of ‘one size fits all’.
What is normally covered?
The following are normally covered with most health insurance plans:
- Hospital charges
- Specialists' fees
- Diagnostic tests
- Radiotherapy/chemotherapy
What is not normally covered?
There are some common conditions that medical insurance will not cover you for:
- Pre-existing conditions
- Long term or chronic conditions
- Alcohol, drug or solvent abuse
- HIV/AIDS
Ways to increase your private health insurance cover
For just a little extra on your premium a month, we can give you a health insurance policy that covers you for complementary treatments such as physiotherapy, acupuncture and chiropractic treatment. This way your GP can refer you straight away, without having to see a specialist first.
To get health insurance comparison go to our quotes page
Health Insurance Coverage UK
Will I need to give details about my health?
You won’t normally be covered for any illnesses you are currently suffering from, or have already had. These are known as ‘pre-existing conditions’. You must answer all questions as fully and as accurately as you can, to the best of your knowledge and belief.
There are two main methods that PMI companies use to deal with your application for cover. These are:
- full medical underwriting; or
- moratorium underwriting.
All medical insurance companies will offer you the full medical underwriting option. Only some companies offer the moratorium option. So whether you are looking for individual or small business medical insurance quotes
Full medical underwriting (medical history declaration)
You are asked to give details of your medical history. The insurer may write to your doctor for more information, but they do not do so in every case. You must give all the information you are asked for. If you don’t, your insurer may refuse to pay any claim that you make in the future, or may cancel your policy.
If you are not sure whether to mention something, it is best to do so. If you have a medical condition that is likely to come back, the insurer will issue a policy, but that condition (and any related to it) might not be covered. This condition may never be covered, or not covered for a set period of time.
Moratorium underwriting
You are not asked to give details of your medical history. Instead, the insurer does not cover treatment for any medical or related condition that you have received treatment for, taken medication for, asked advice on or had symptoms of.
In other words, you will not be covered for any condition that existed in the past few years. Five years is the usual time period. But some insurers have two years health insurance coverage
These conditions may automatically become eligible for cover. But this will only happen when you do not have symptoms of, or receive treatment, medication, tests and advice (from your GP, a healthcare professional or a specialist) for that condition, usually for a continuous period of two years after your policy has started.
You do not need to tell the insurer about your medical history when you take out the policy. Your insurer might ask for medical notes that are needed to decide if your claim can be covered.There are some conditions, for example chronic conditions, that will probably never be covered. This is because you will always need treatment, medication, tests or advice for them. You should not delay getting medical advice or treatment, simply to get cover.
Your insurer will give you information explaining how their moratorium works. You may also want to ask the insurer or adviser, to explain this.
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