Private Medical Insurance

With private medical insurance, you’re generally covered for what’s known as ‘acute conditions’. These include hip replacements or minor operations - think hernia removals and that sort of thing.

Some policies also cover you for additional medical services like dental care, optical care, physio, mental health support, and alternative medicine, including homeopathy.

In most cases, you’ll get your in-patient treatment and the cost of your hospital stay included. You’ll also benefit from being seen by consultants more quickly, plus you’ll be able to choose which hospital you want your procedure to take place at. Some policies also give you access to drugs not available on the NHS.

Most private medical health care policies will expect you to pay an excess towards your treatment. You might be allowed to set this limit yourself. 

There are different levels of cover and different options that’ll affect the price you pay. Opting for reduced out-patient cover or a smaller list of hospitals for treatment, for example, can bring premiums down, as can a higher excess.

How much your premiums are also depends on your age and overall health.

Things to think about

• Pre-existing conditions aren’t covered. Neither are chronic conditions (e.g. diabetes or high-blood pressure).
• You can cover your spouse and/or family as well as just yourself.
• As you get older, the price of your cover will go up as you’re more likely to use it.
• You might be offered reduced gym membership or other incentives for taking out cover.

The easiest way to talk to us about private medical insurance is by using the pop-up form on the right-hand side of this page. We’re happy to talk by phone or email too - give us a call on 01244 47010  or send a message to: info@moneytreewm.co.uk .