Private medical insurance is designed to provide prompt access to high quality medical treatment.
Many people in the UK are covered under a private medical insurance arrangement. Whether you already have cover in place or you are looking for cover for the first time, it is important to ensure that your policy is appropriate and you are not paying more than you need to.
It may be possible to switch your existing medical coverage to a new policy without any loss of cover, however each insurer asks different medical questions when deciding this. We research all the options available to you and also advise you on hidden areas such as:
The different levels of private hospital coverage.
How no claims discounts will affect your future premiums.
Possible claim payment shortfalls and how to avoid them.
How insurers calculate renewal premiums based on your claims.
Who decides which consultant you will be able to use – you, your GP or your insurance company?