Private Medical Insurance

Our Online Private Medical Insurance quotes page enables you to e-mail your details directly to us via a data capture form. We will then provide you with a no obligation quotation for the specific cover you require.

In the majority of cases one of our internet sales advisers will then send you a competitive quotation via e-mail within 24 hours, providing the quotation is received within normal office hours and the information required on the form is complete. Should we require any further details we will endeavour to contact you by a means and at a time convenient to you.

What is Private Medical Insurance?

Private Medical Insurance is designed to cover the costs of private medical treatment for a curable short term illness or injury (commonly known as acute conditions).

Why Do People Buy Private Medical Insurance?

Most people buy this type of insurance to gain the reassurance of knowing that treatment is available promptly, if they become ill or are injured.

As a private patient you can often choose when treatment will take place, the specialist who treats you and the hospital. You will usually have the privacy of an en-suite room, complete with TV and other home comforts.

How do I choose the right cover?

When looking at cover, it is useful to know that treatment is categorised in the following way.
In-patient Day-patient Out-patient
This is when you go into hospital for private treatment or investigations and stay for one or more nights. This is sometimes referred to as day-care, or day-case. it is when you go into hospital for private treatment or investigations but do not need to stay in hospital overnight. This is when you receive treatment or investigations or consultations which do not need you to stay in hospital either as an in-patient or day-patient.

What am I covered For?

Usually Included Sometimes Included Usually Not Included
Cover for treatment of short-term (acute) medical conditions Out-patient tests Conditions you had before taking out the insurance (Pre-existing conditions)
In-patient tests Out-patient consultations with a specialist GP services
Surgery Overseas cover Cover for long term incurable conditions (Chronic conditions)
Hospital accommodation and nursing Cash payment for treatment received as an NHS in-patient Accident and emergency admission

Some illnesses and treatments will not be covered by a private medical insurance policy, these are common to most schemes and will be detailed in the guide booklets. It is also important to remember that this insurance is not designed to replace all the services offered by the NHS. Some, such as accident and emergency, are beyond the scope of most private hospitals. As well as those listed above as "Usually not covered" the following conditions or treatments are normally outside your cover:

drug abuse, self-inflicted injuries, out-patient drugs and dressings, HIV/AIDS, infertility, normal pregnancy, cosmetic surgery, gender reassignment, preventive treatment, kidney dialysis, mobility aids, experimental treatment, experimental drugs, organ transplant, war risks, injuries arising from hazardous pursuits.

What are the core benefit options?

Cover Benefits 4 3 2 1
Benefit 1 Specialist Fees * * * *
Benefit 2 Hospital Charges * * * *
Benefit 3 Out-patient Treatment Charges * * * *
Benefit 4 Home Nursing Charges * * * *
Benefit 5 GP Referral For Out-Patient Treatment * *
Benefit 6 Private Ambulance Charges * *
Benefit 7 NHS Cash Benefit * *
Benefit 8 Dental Charges * *
Benefit 9 Psychiatric Treatment Charges * *
Benefit 10 Maternity Treatment Charges * *
The discounts allowed for each level of cover are illustrated below.

Benefit Discount %
4 12.5
3 7.5
2 5.0
1 0.0
A full list of benefits can be found in the "Summary of Benefits" package, available on request

What is the difference between the hospital band cover?

The band of hospital cover determines which hospital you are able to attend. Each hospital has its own rating therefore it is important to view the list of hospitals before deciding on the band of cover. A full list of hospitals and their bands is available on request.

As a guideline hospital cover A and B will provide a single room with en-suite facilities for in-patients. If you have hospital cover band C you may be asked to share a room in some hospitals.

Can I discount my premium further?

You can discount your premium further by selecting a policy excess. An excess is the first part paid by you in the event of a claim. Details of discounts can be seen below.

Excess Discount on Your Premium
£0.00 0%
£100.00 10%
£250.00 20%
£500.00 30%

Private Medical Quotations Page

If you would like any further information or assistance in regard to some of the insurance products on offer, please telephone us on 0800 435648 or e-mail your details to us by clicking on the e-mail link below.

sales@i-healthinsurance.co.uk

sales@i-healthinsurance.co.uk

Part of i-Financial Services Group Plc.