Private medical insurance typically covers hospitalisation, consultations with specialists, diagnostic tests, elective surgical procedures, cancer treatment and drugs, as well as outpatient services and can be customised to include mental health support, dental, optical, alternative therapies and travel.

To claim on your private medical insurance, check your policy to confirm coverage and the claim process. Obtain a GP or specialist referral if required, then contact your insurer for pre-authorisation and a claim reference number. Submit necessary documents, such as referrals and invoices, and pay any policy excess. Follow up with your insurer if needed.

Making a claim may increase your premium at renewal, depending on your policy type. For individually underwritten policies, claims often lead to higher premiums due to increased risk. If your policy has a no-claims discount, this may be reduced. However, corporate policies through employers are less likely to be affected. Check your policy for specifics or get in touch.

Pre-existing medical conditions are generally not covered by insurers unless explicitly agreed upon. Most policies exclude conditions you had symptoms of, received treatment for, or were diagnosed with before the policy started. However, some insurers offer cover for pre-existing conditions after a defined waiting period (e.g., five years) if you’ve had no symptoms or treatment during that time. Always check your policy for specific terms, or get in touch.

Private medical insurance premiums typically rise each year due to factors like age, claims history, medical inflation, policy changes, and the insurer’s pricing strategy. Increases are often around 5-10% annually but can vary widely depending on your circumstances and insurer. We’ll be in touch before renewal to advise on your new premium and review the market.