Health Insurance Questions
Do I need to declare my medical history?
That depends on what type of private medical insurance plan you choose. If you go for a fully underwritten plan you will need to answer a health questionnaire. The chances are you will not be covered for any pre-existing conditions. If you opt for a moratorium plan, you won’t need to disclose any information but for an initial period, usually 2 years, you will not be covered for any condition you have had over the last 5 years.
Can I change my insurer?
Private Medical Insurance plans are yearly contracts and the cost will increase so it is worthwhile reviewing your cover on an annual basis to ensure you get the best deal. If you do change insurer, you can also opt for ‘no worse underwriting’ meaning you will be covered for the same things as with your existing plan.
How much will it cost?
Prices are based on your age and the level of cover you choose. For more information on cost, take a look at our health insurance comparison table.
How often can I claim?
There shouldn’t be a limit on the number of times you can claim but depending on the type of plan you buy there may be a monetary limit on certain items such as consultation fees.
Can I cover my family?
Do I pay for treatment first and then claim the money back?
No. Usually the insurer will settle things directly with the specialist or hospital.