Category: Insurance Subcategory: health insurance
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Last Update: Sat Sep 30 07:18:46 2006 | | +
What is health insurance?
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Health insurance is also known as private medical insurance (PMI) and personal health insurance. Private medical insurance covers [...] in a private ward of an NHS hospital. There are 2 common plan types usually termed ‘Core’ and ‘Comprehensive’.
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What will affect my health insurance premium in future?
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The premiums for most health insurance policies are expected to rise over time as new drugs and technology are developed and new [...] premiums often increase with age. Government legislation may also affect premium levels notably the rate of insurance premium tax.
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What is not included in the private health insurance plan?
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Some medical insurance and health insurance plans will not cover out-patient, routine maternity or dental costs. A comprehensive [...] and specialists, complementary care, sometimes routine dental and generally has higher limits than a Standard health insurance plan.
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What are the Benefits and Exclusions of a health insurance plan?
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All medical insurance and health insurance plans will carry a list of general exclusions from cover and some companies exclude more [...] GP services, HIV or AIDS, hazardous sports, infertility, normal pregnancy, sterilisation treatment, and overseas cosmetic surgery.
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What is in-patient coverage?
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In-patient coverage includes expenses that are incurred when you are admitted into hospital for private treatment or ... |
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What is day-patient coverage?
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Day-patient coverage, which is also called Day-care or Day-case, is needed when you are admitted into hospital for private treatment ... |
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What is out-patient coverage?
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Out-patient coverage includes the expenses you incur when receiving treatments from a doctor, investigations or consultations that ... |
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Are dental treatments covered?
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Some UK private health insurance and medical plans will offer routine dental cover under their policies. It is always best to check ... |
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What happens when I need to make a claim?
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Some private health insurers will pre-authorise claims so that you do not have to pay doctors' and hospital bills allowing you to [...] hospital or doctors' bills, then you will need to send the original bills, which can be requested, along with a claim form.
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How do I make a claim?
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Most private health insurance providers will send you a client pack, which will include a range of information that will help you [...] pre-authorise any in-patient treatment, meaning that you must contact their help lines before seeking treatment and incurring costs.
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What will affect my premium in future?
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There are two key factors behind this: first, as new treatments become available involving new drugs and technology, costs of cover [...] overall cost of any health insurance policy. Most medical insurance premiums are bracketed in tiers of 4-5 years before increases.
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What makes PruHealth unique?
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We've come up with a totally new approach that recognises that the healthier you are, the less likely you are to need medical [...] of lower health insurance premium costs. This idea is called Vitality - it's central to what PruHealth is and what makes us unique.
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What is moratorium cover?
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In this case you will not be asked to provide any medical history but the insurance company may not cover any medical condition that [...] practitioner, for that condition for a period of (usually) two years, after your health insurance policy has been made effective.
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Which details of my health must I provide the insurers?
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There are a number of medical conditions that you may not be able to have covered under your medical insurance plan. Normally, you [...] for an illness you are presently suffering, or have already had in the recent past. These are known as pre-existing conditions.
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What happens if I fall ill abroad?
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Under PruHealth's private medical insurance, Non-UK emergency treatment is not covered. However, once the policyholder returns home ... |
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Are severe allergies covered?
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Under PruHealth's private medical insurance, a severe allergy would be defined as a chronic condition (one that continues [...] or consultations relating to a chronic condition will not be covered under the private medical insurance or health insurance policy.
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Does PruHealth insurance cover sports injuries
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The PruHealth private medical insurance policy does cover acute sports injuries as long as the sport is not considered extreme or [...] insurance policy describes as conventional, and which in PruHealth's view, puts the participant at a high risk of illness or injury.
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How do I go about upgrading or changing my policy with PruHealth?
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Upgrades under your private medical insurance policy can be made at the renewal date, subject to using the same underwriting option [...] private medical insurance policy, such as adding additional dependants can be made at any time by calling the customer service team.
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title: Pruhealth Frequently Asked Questions About Private Medical Insurance; RSS XML Feed
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