Frequently Asked Questions

Who needs Health Insurance?

In the UK we are lucky to have a National Health Service. However, anyone can benefit from Health Insurance who values the reduced waiting times, access to better medicines and treatments, additional comfort and privacy, and more choice and flexibility around when and where your treatment takes place.

What is an excess in health insurance?

An excess is an amount each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and the insurer would pay the rest. In the event of the claim being lower than the excess, then the remainder of the excess “pot” would be used towards the next claim.

Can I get private health insurance with a pre-existing condition?

Yes you can, however, the pre-existing condition will be excluded for cover on the policy. In most cases, this is reviewed after 2 years should there be no medical advice, treatment or medication within the first 2 years of the policy for that condition. This will depend on which underwriting style is best for you and your situation.

What isn’t covered with private medical insurance?

All insurers have a list of conditions and examples that will not be covered, these are known as “general exclusions”. Some of these general exclusions include routine pregnancy, war, riots and terrorism, and routine maintenance of existing chronic conditions. These will all be detailed within your policy documents but if you would like to know more, give us a call and we will be happy to help.

Are there any age restrictions?

Whilst there are some insurers that do have age restrictions, there are still many insurers that will offer cover whatever your age. Usay Compare has access to such a large selection of insurers and products we can source a policy whatever your age. In fact, the oldest member we found cover for recently was 99 so if you were thinking it can't be done. It can.

How can I pay the premium?

There are many different ways to choose to pay for your private medical insurance but the most common ways are by direct debit either monthly or annually. Other options like BACS, credit card or cheque payments are available but it will depend entirely on the insurance company you go with.

How long does it take to set up?

Policies can be set up over the phone in as little as 20 minutes but it will depend entirely on our advice as to what the best policy option is for you and whether we need to discuss your medical history in more detail. However, most policies can be applied for over the phone with our professional sales advisers so there will be no application forms for you to complete. Let us do that.

What are the different underwriting types?

Full medical underwriting (FMU) requires you to provide your complete medical history – and that of all policyholders – when you take out your policy. The information you provide may mean the insurer excludes certain conditions from cover for the lifetime of the policy.

Moratorium underwriting doesn’t require you to disclose your medical history. However, for the first two years of your policy you won’t be covered for anything you’ve had symptoms, treatment, medication, diagnostic tests or advice on in the five years before your policy start date. If, after a two-year consecutive period (after the policy starts) you meet certain criteria (usually this includes remaining symptom, treatment, medication or advice free from that condition), then it will become eligible for cover again.

Switching your policy allows you to move from one insurance provider to another and still be covered for medical conditions that you may have had problems with in the past.

Will i need a medical examination.

No, absolutely not. Unlike life insurance there are no medical examinations or nurse screenings to attend. Some policies may ask you some eligibility criteria that will include information about your most recent medical history however most policies we sell do not require you to divulge ANY medical information at all.