Health insurance has a language all of its own. We believe in jargonless communication and plain English. By dealing through Medischeme, you will know precisely what you have bought with zero surprises.
Before buying your first policy, here are the core concepts explained in clear English.
Moratorium Underwriting requires no medical forms upfront; conditions from the past 5 years are excluded until you are trouble-free for 2 years. Full Medical Underwriting requires declaring your full history, offering complete clarity from day one.
Inpatient care covers hospital admissions requiring an overnight stay. Outpatient care covers specialist consultations, diagnostic tests (MRI, CT scans), and physiotherapy without staying overnight.
An excess is the amount you agree to pay towards a claim (e.g. £100 or £250). Choosing a small excess lowers your monthly premium significantly while keeping private healthcare affordable.
Insurers organize private hospitals into lists. Choosing a standard provincial hospital list provides access to top local private facilities at a lower cost than including central London teaching hospitals.
We guide you from initial inquiry to policy documentation with zero broker fees.
Call us on 0800 085 2677 or request a quote online. Tell us your priorities and budget.
We scan Bupa, AXA, Aviva, Vitality & WPA to build tailored options matching your criteria.
We activate your cover with zero broker fees and schedule annual re-reviews to protect your rate.
