UK Medical insurance - your health insurance broker
home | PMI quotes | health questions | UK expats | dental | 10 ways to reduce your costs
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UK Medical insurance - your health insurance broker |
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home | PMI quotes | health questions | UK expats | dental | 10 ways to reduce your costs |
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Private Health Insurance
cover varies from insurer to insurer. For general insurers and the large
provident associations, PMI is classified as general business under the
Insurance Companies Act 1982. Policies are issued with the benefits guaranteed
for a year in the same way as motor or household insurance. At the end
of the policy year the cover ceases.The insured have to decide before
the end of their contract year whether they want to continue to maintain
their cover for a further 12 months. This process is referred to as 'renewal'.
In practice, insurers would always offer renewal terms. The insurer could
not decline to renew the policy simply because the experience of the individual
insured was unsatisfactory. ~ the policyholder
fails to pay the premium There is no common accepted term for what are 'acute conditions' and this can cause some confusion when looking to move your insurance policy. Long-term or chronic conditions are not covered by private health insurance. Hardly any policies cover private consultations with a general practitioner or the costs of medical services to treat a pre-existing condition. This means that cover will not be provided for an illness or injury from which the customer has already suffered, or is suffering form, at the time of purchase of the policy. For a complete understanding
of what is and not covered by a policy we work to give you clear information
and advice before you make the final decision. |
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