Private Medical Cover

private medical

“I want to have private medical cover”
“I want to save time waiting for NHS treatment”

What is private medical cover?

Private medical insurance is designed to cover the costs of private medical treatment, for what are commonly known as ‘acute conditions’ that start after your policy begins. Most insurers define an acute condition as a disease, illness or injury that is likely to respond quickly to treatment and aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery. Your insurer can tell you about their cover for this and other conditions, such as cancer and chronic (long-term) conditions.

Private medical cover – The Benefits

Private medical insurance means you can get treated quicker than going on the NHS. Like all insurance the cover you get varies – but basic private medical insurance may pick up the costs of most in–patient treatments (tests and surgery) and day–care surgery, and some extend to out–patient treatments (such as specialists and consultants).

Private medical cover – Different types of cover

Cover can be purchased on a full medical underwriting basis, which means you will be asked a number of questions about your health and, based on the information you provide, the insurer will decide the conditions of your cover.

You can also apply for cover on a moratorium basis, which means you will not be asked any questions about your health, but if you have suffered from any health conditions in the last five years, these will automatically be excluded from cover initially.


For more information regarding Private Medical Cover please call us on (024) 76 717 564 click the button below to contact us:

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Please Note: Gregory Law Financial Planning Ltd acts as a credit broker not a lender

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Our fees and charges vary depending on the Services we provide to you. We charge a fee of up to £250 payable at the outset and £250 payable when you apply for a mortgage.

Gregory Law FP (Financial Planning) Ltd act as a credit broker not a lender.