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Private Medical Insurance Checklist

Check these points out before you buy private medical insurance:

• You agree to give the insurance company all the information they need. - If you do not give accurate details, your insurance company can refuse to pay your claim or could actually end your insurance policy.
  
• You also agree to pay regular monthly or yearly premiums as long as you want the private health insurance. - If you do not pay your premiums, your insurance cover will stop. Your insurance company will only pay for the costs you paid, or agreed to pay, up to the last date covered by your premiums.
  
• Your premiums may increase annually when you renew your cover. - Your individual insurance premiums are not influenced by the number of claims you make (unless your cover includes a no-claims discount).
  
• Your insurance company plans on making changes to an insurance scheme, all current customers will be contacted before they renew. - This will not prevent you continuing your cover.
  
• You change your insurance company and you may not be covered for conditions or treatments that your existing policy covers. - Make sure that you understand the consequences before you change insurance companies.

Read your private health insurance policy document very carefully. You must keep to the insurance policy’s terms and conditions. You can cancel your insurance within 14 days if you change your mind. If you decide not to go ahead, you should receive a refund of premiums you have already paid, but this may not be the case if you have made a claim. If you want to cancel your insurance policy after the cancellation period, your insurance company may not refund your premiums – even those you have paid upfront.

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