Health Insurance Frequently Asked Questions

Will I need to have a medical ?

In the majority of cases this is NO. However, questions will be asked about your lifestyle and health.

Will the medial insurance policy be renewed every year ?

Most insurers will write to you 28 days before your renewal date, if you do not cancel then it will be renewed automatically.

Will the premium increase if i make a claim ?

Individual costs are not affected by the number of claims and policy holder makes. If there is to be an increase in premiums, you will get a larger increase than a non-claimant

How does excess work for medical insurance ?

You will have to pay for part of any eligble treatment/consultations, up to the amounnt of the excess you have agreed e.g £100, £1000, £2000 etc. The excess starts at the beginning of each new insurance year, even if treatment is ongoing.

What about pre-existing conditions ?

For customers who have never had medical cover, most insurers will review the past 5-7 years of your medical history and make a decision. If you are aware of any pre-existing condition you'll need to let the insurer know.

Can i add family to my policy ?

In most cases you can add members to your polciy anytime.

How do i pay ?

You can either pay annually or monthly. Accepted forms of payment include direct debits , credit card & debit cards.

10/08/2010	35571	546	1.53%	0.6	330.28	5.4	2	0.37%	165.14
11/08/2010	19844	378	1.90%	0.59	223.18	6	2	0.53%	111.59
12/08/2010	17739	328	1.85%	0.58	191.86	5.9	2	0.61%	95.93
13/08/2010	140	1	0.71%	0.77	0.77	6.2	0	0.00%	0