Frequently Asked Questions By Individual Clients

What is Private Medical Insurance?

Private medical Insurance is designed to cover the costs of private medical treatment for what are commonly known as acute medical conditions.

How do I choose the right level of cover?

We will take you through a demands and needs questionnaire which will establish the most suitable level of cover for your specific needs. Insurers are increasingly offering menu-driven products offering options such as Out-patient treatment, psychiatric cover, different excess levels, hospital choice and pregnancy cover.

What is generally not covered?

– Any pre-existing or on-going medical condition
– GP services
– Cover for any long term medical conditions usually referred to as chronic conditions
– Accident and Emergency admissions
– Drug Abuse
– Self-inflicted injuries
– HIV/AIDS
– Infertility
– Cosmetic surgery
– Gender reassignment

Will my Premiums go up?

Yes, unfortunately most premiums will rise at least in line with medical inflation which currently runs at between 10-12% per annum. Some Insurers now offer No claims Discounts. However as people get older they are more likely to claim meaning that premiums will usually increase with age to reflect this.

Will I need to provide details of my health?

You will either need to complete a full medical underwriting (FMU) or moratorium (MORI) form. Any condition you mention in the FMU form is likely to be permanently excluded. A MORI form does not ask any medical history questions but you will not be covered for any medical condition in the last five years. However any such condition may be covered after two years subject to certain criteria.

Can I change my Insurer?

This is very difficult for individuals with on-going medical conditions.

Group schemes can change provider subject to certain questions

How do I make a claim?

Before you receive any treatment it is essential to call your insurer to check that you are covered for the treatment you will receive. If you have any problems during this process you can speak with an Anderson Health representative.

Can I cancel my policy?

You have the right to cancel within 14 days of the start date of the policy. Any premium collected by the insurer will be refunded in full provided that no claim has been made in the interim.

What do I do if I have a complaint?

If you have a complaint then in the first instance please write to us at our Head Office address. We will acknowledge any complaint within 5 working days. We will respond to any complaint within 14 working days. If you were dissatisfied with our response for any reason you have the right to appeal to the Financial Service Ombudsman (FSO) at South Quay Plazza, 183 March Wall, London E14 9SH within 6 months.