Private medical insurance costs and how to get covered?
Your questions answered.
How do I buy private medical insurance?
There are three ways to get our health cover: You can buy health insurance online which is a totally secure process; you can call 0333 331 4211; or you can talk to an independent financial adviser.
To apply online is a three-step process: first, you need to give us your personal details; second, pick your level of cover; third, answer some basic questions about your medical history.
If you don’t have any pre-existing medical conditions, the only other thing you then need to do is set up a payment method and your cover can start.
If you do have a pre-existing condition, you’ll need to speak to our underwriting team on 0808 252 5548 and give them details. They’ll give you a quote based on the type and severity of your condition. Alternatively, you can choose our moratorium underwriting option, which won’t cover you for any conditions that have been pre-existing for the previous five years. That’s unless after your cover has started, you go for two continuous years without having any treatment, medication or advice for pre-existing conditions or any directly related conditions.
If you apply over the phone or through an independent financial adviser, the information you’ll need to provide will be similar to applying online.
Is it cheaper the more people you have on a plan?
How can I reduce my premium?
Will my premium go up every year?
Does it affect my cover or renewal premium if I claim?
How do I start my plan?
What happens when my plan comes up for renewal?
What do I do if I'm leaving my company plan but want to keep my cover?
Can I cancel my plan?
You have 14 days from your plan start date or from when you receive your plan documents, whichever is later, to cancel your plan and receive a full refund of your premium (as long as you’ve not already made a claim).
If you cancel your plan before the end of the 12 month term the plan covers, we reserve the right to charge an administration fee of £40. Once your cover ends we won’t pay for any more treatment you have after that date even if: it’s a continuation of treatment that started while you were still covered by the plan; or if we authorised it before your plan ended, but the treatment is due to take place after your cover ends.