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Not all private medical insurance policies are the same. This policy offers high levels of benefits at competitive premiums and the longer you remain on the scheme the cheaper (relatively) the policy will become.
To be eligible for our private medical insurance cover you must be a UK resident aged between 18 and 64 at the commencement date of the policy.
Children under 18 years of age may be included on a family policy. Unmarried children in full time education may continue at child rate up to age 25.
There are no limits on the number of claims you make on our private medical insurance policy.
Premiums will be reviewed regularly, any increases will reflect the latest developments in medical expertise and technology and also the claims from all policyholders.
Yes: if you decide to have treatment on the NHS you may be eligible to claim for a cash benefit for each night you spend in a NHS hospital - see Policy Benefits
You may if you wish, although direct settlement facilities are in place with most major hospitals and providers. If you choose to pay for treatment yourself then all valid costs will be reimbursed direct.
Yes. All original claim forms and invoices must be submitted within 90 days of issue date.
A pre existing condition is any disease, illness or injury which has been diagnosed, or which you have experienced symptoms, received medication, advice or treatment for, prior to commencement of the policy.
If you already have private medical insurance and are considering moving policies you should consider your position carefully as your current policy will probably cover continuing treatment should these conditions re-occur.
You may select one of two ways of applying for cover.
If you have not had insurance declined, refused, special terms imposed or cancelled, suffered from cancer, tumours, heart, artery or vein problems including haemorrhoids, varicose veins, high or low blood pressure, long term or recurrent physical, mental or congenital disorders, psychiatric illness e.g. stress/ anxiety/ depression, phobias, eating disorders or drug, alcohol or other addictions or behavioural problems, back, neck, disorders, including whiplash, slipped disc or similar then you can select the moratorium route: conditions for which you have received advice or had symptoms in the past five years will not be covered until you have been two years continuously on cover without treatment, medical advice or symptoms. You may choose:-
If you fail to qualify for the moratorium route, or prefer a fully medical underwritten policy then you must proceed through the fully medically underwritten route.A full medical questionnaire is completed and the underwriters will look at each condition and may may cover the condition subject to conditions and exclusions
You can either have a policy with NIL medical excess or take a voluntary excess of £100, £150, £250 or £500. The excess is applied per person per year not per claim. The excess can only be taken under Plan 1 or Plan 2.
You will not experience any age-related premium increase - a benefit of our private medical insurance policy. Currently a 29 year old might pay £47.00 per month and a 60 year old £126.00. If rates do not alter then when the 29 year old is 60 they would still be paying £47.00 per month and the 60 year old (by then 91 of course) £126.00. (figures approximate).
Occasionally things can go wrong. You should voice your concerns in writing to Healthcare 4 life Ltd, Fryern House, 125 Winchester Road, Chandlers Ford, Eastleigh, SO53 2DR. In the event of the problem remaining unresolved then contact Criterion Insurance Company Ltd, Swan Court, Swan Street, Petersfield, Hants, gU32 3AF. Failing that the Insurance Ombudsman is located at South Quay Plaza, 183 Marsh Wall, London, E14 9SR - 0845 6006666
The policy comes in 4 main sections (ABCD) and you choose one of 4 plans - each of which covers a different combination.
| Section A - Hospitalisation in patient and day-patient treatment |
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| Section B - Pre-hospitalisation out-patient treatment |
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| Section C - Post-hospitalisation and out-patient treatment |
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| Section D - Additional benefits NB Any Excess selected will NOT apply |
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Clicking the Obtain Quotation button will open the quotation module in a new window so you can easily refer to the benefits each private medical insurance plan offers.
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