Who is private health insurance suitable for?
The simple answer – everyone! Private health insurance means peace of mind knowing that help is at hand when you need it. We also know that everyone has different cover requirements and budgets, which is why we offer a range of policies to choose from.
Are there any age restrictions to taking out a policy?
You must be over 18 to take out your own policy with Health-on-Line. If you are younger than this, you would qualify as a “dependent” on a parent or carer’s policy.
There are no upper age limits, so whether you are 19 or 90 you can still take out a policy with us (although bear in mind, the older you are, the higher the costs of the policy).
Will I be covered for pre-existing conditions?
This depends on how we underwrite the policy you choose. There are four different types of underwriting:
- Full medical underwriting – we ask you for any pre-existing conditions before you join and we then work out what you will be covered for or not (this will be shown on your membership certificate)
- Medical history disregarded – we accept any pre-existing conditions (normally only if you are switching from another provider or are part of a business scheme)
- Two year watch and wait (also known as Moratorium) - you are not covered for pre-existing conditions you’ve had in the last five years until you’ve been a member two years in a row and have been trouble-free from that condition for two years
Only for those switching:
- Continuing medical exclusions – carries on exclusions from your previous health insurer if you are switching and is subject to two medical questions
How do I make a change to my policy?
Contact our Customer Service team on 01202 544444
How do you deal with complaints?
We try hard to ensure that there are no reasons for members to complain. However, if we do receive a complaint, we have a charter in place to make sure that we deal with the situation fairly and promptly. You can read more about this in our Complaints Handling Promise to You. For contact details regarding our Customer Relations team please see the ‘Contact Us’ page.