Independent Specialists in Private Health Insurance & Corporate Benefits

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Your trusted experts in Poole, Dorset

Health Insurance FAQs

Find the answers to your most frequently asked questions below:

Girl Browsing FAQs / Health Insurance FAQs

Your Cover

Does health insurance cover pre-existing medical conditions?

Most health insurance plans are not designed to cover pre-existing medical conditions. A pre-existent condition refers to any illness for which you had symptoms or received any consultations, medication, surgery or any other treatment in the past.

You can still get private medical insurance even if you have pre-existing conditions but depending on the condition(s) or their severity, insurers may not pay for their treatment or for any related conditions. Some insurers however take the view that where there has been no reoccurrence of a previous condition for a few years this may be considered eligible. Talk to one of our insurance experts who will be able to advise you on the best solution based on your personal circumstances.

What is not covered by private health insurance?

Typically, there are general exclusions found in most health insurance plans, these include but are not limited to the list below:

  • Chronic conditions
  • Pre-existing conditions
  • Drug or substance abuse
  • Sex change  Organ transplants
  • Prescribed drugs
  • Fertility treatment
  • Cosmetic surgery or treatments
  • Trial or experimental drugs or treatments

Also, whilst insurers do not typically pay for treatment towards chronic conditions, they may provide cover if there is an acute flare up of the condition. Speak to one of our advisors who will be able to liaise with the insurer on your behalf to establish what conditions are excluded from cover.

How does a health insurance policy work?

Private health insurance gives you a way to manage your private healthcare costs should you need treatment for an unexpected illness or injury. The way health insurance works is:

  • In the event you suspect you have an illness or injury you should visit your GP and let them know that you are privately insured.
  • Should your GP decide that you require treatment, they will be able to refer you to a specialist for an initial consultation.
  • Prior to any costs being incurred, you should contact your health insurance company to ensure your claim will be eligible. Once you have obtained approval, you will be able to liaise with your specialist about getting your treatment carried out at a time that is convenient to you.

Does health insurance cover Covid-19?

In the UK, the private healthcare sector doesn’t run Covid-19 testing and treatment centres as these are entirely managed by the NHS and Public Health England to ensure that the situation is continuously monitored and assessed. Therefore, private health insurance doesn’t cover Covid-19, however some insurance providers will pay you an NHS cash benefit if you need to be hospitalised for Covid-19 treatment.

What does health insurance cover?

Health insurance covers your private healthcare costs from diagnosis to treatment for acute medical conditions that you develop after your policy start date. Typically, health insurance covers hospital stays (inpatient) and hospital appointments (day-patient) and, depending on your policy, it can also cover outpatient appointments, physiotherapy, alternative therapies and cancer treatment. 

Can I use my health insurance plan when travelling abroad? 

A UK health insurance policy covers only medical treatment while you are in the UK, you would therefore be unable to use your policy when travelling abroad. To be covered for short periods of time abroad (i.e. while on holiday), you would need other types of insurance, such as travel insurance. However, if you are spending longer periods abroad for work or study, you might be interested in an international health insurance plan. Speak to us today to find out more about international cover.

Can I choose any hospital for my private medical treatment?  

With most health insurance policies, you will have access to a network of hospitals that you can use for your treatment. Most Insurers would typically allow you to expand this network by including the more expensive London & Premium hospitals, however this would also mean paying more for access to these hospitals.


Health Insurance Cost

Why did my health insurance premium go up this year?

It is not unusual for your premium to go up at renewal. There are a number of factors that could affect your insurance premium, including medical inflation (the price of medical equipment and drugs going up), your age, increases in IPT (Insurance Premium Tax) and previous claims. If you think you are paying too much for your policy, give us a call to discuss your options.

Will my insurance premium increase if I make a claim?

If you make a claim and you have a policy with a no claims discount then it is very likely an increase will be applied at renewal. There are companies that offer products without an NCD (no claims discount) and therefore do not penalise you for making claims.

Our Services

Does UK Health Insurance charge for their services?

No, we never charge you for our services. If you decide to take out a policy through us, we will receive payment by way of a commission from the insurer. Important to note that the premium you pay is the same as if you went to the insurer directly. 

Do I have to pay more because I buy private health insurance through a broker?

No, you are not charged more for buying private medical insurance through us, the premium you pay would be the same even if you went to the insurer directly. The insurer however would only be able to advise you on their own products and not the whole market which is one of the advantages of using a specialist broker.

We always provide our service free to you as we receive payment directly from the insurance company but only if you decide to take out a policy.

Is your health insurance advice independent?

Yes. We are a whole of market broker authorised and regulated by the Financial Conduct Authority and we recommend the right products for our clients’ based on their specific healthcare needs and budget. 

How do you find the best medical insurance quotes for your clients?

We usually start by reviewing your current situation by establishing your budget and protection requirements and by understanding your preferences and concerns. We then do a thorough search and comparison of the insurance market and get you several quotes that best fit your situation.  Then we answer any questions you may have to help you decide on the right product for you. 

What does a health insurance broker do?

We offer free, expert insurance advice and compare the market to help you purchase a health insurance product that’s right for you, and if you already have an existing health insurance plan we’re able to review your existing policy to ensure it meets your protection requirements.

Our support doesn’t stop after you bought a policy through us. We are available to answer your questions at any point and we also offer an annual market review to ensure you continue to receive the right policy at a competitive price.



Can I switch health insurance providers?

If for any reason you are not happy with your current health insurance provider or policy, we can help you switch to a different insurer when your policy comes up for renewal. Our expert team can advise you accordingly and find you a better option. Contact our UK Health Insurance experts for more information.

Have another question or need more information?

Our friendly team is here to answer your questions.

Call us on

0800 999 8 999

or email

You can also check our Health Insurance Glossary to learn the meaning of the most common health insurance terms.

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