Below we have outlined the most common questions asked about medical insurance. Please click on a question to get the relevant answer.

What is Private Medical Insurance?
How much will Private Medical Insurance (PMI) cost?
Can I afford PMI?
Which private medical insurance policy should I choose?
Can I get a company or group scheme for my staff?
I do not need PMI as I have the National Health Service
What is Underwriting?
Underwriting and private medical insurance
What is Moratorium Underwriting?
What is Full Underwriting?
Do I get a choice of what type of underwriting I have?
What should I keep in mind?
Renewing your private medical insurance policy
I already have PMI but I want to change companies!

Which private medical insurance policy should I choose?

This will depend on your individual case, you will need to consider the following factors when choosing a PMI policy.

• Are you looking for a Comprehensive, Standard or Budget healthcare plan?
• If you are willing to cover outpatient costs through your own means this will reduce premiums?
• What is your age? – PMI costs increases with age.
• Where do you live? – PMI cost may vary dependent on where you live, usually between urban and rural.  
• What cover requirement do you have? – Do you want complimentary therapies and homeopathic treatments included?
• Are you willing to pay a set amount toward your treament by way of a voluntary excess payment?, in order to reduce premiums on your PMI policy

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