Frequently Asked Questions

The private health insurance policies offered by General & Medical aim to fund private medical treatment of acute conditions. The policies will cover the costs of eligible treatment within the UK, up to the limits of your chosen cover, by our recognised consultants, medical practitioners or therapists. The benefits include cover for initial private consultations, in-patient, out-patient and day-patient investigations and treatment up to the limits of your chosen cover.

Our private health insurance policies provide cover for eligible treatment at any of the Participating Hospitals within the choice you make. These are ‘First Choice’, ‘Freedom’ and ‘Premium’ (or 'Generation' for Child Only policies). The Participating Hospitals within any level may change from time to time.

12 months unless specified otherwise. You will be sent your renewal documents before your scheme continues for another year. You should review the renewal documents to make sure the cover and policy remain suitable for your needs.

You have a choice of payment method

• Monthly by direct debit which is secure and an easy way to spread the cost over the year
• Annually by direct debit, debit/credit card, BACS or cheque

No. Unlike some other insurance companies General & Medical do not charge their clients extra, or any form of interest, to pay their premiums monthly. This is one more reason to choose General & Medical.

You may join a General & Medical scheme as an individual from the age of 16 up to your 75th birthday. Once covered there is no upper age limit. Children are classed as a child up to their 21st birthday, or their 25th birthday if they remain in full-time education. Proof of full-time education must be provided.

Or you may also join a General & Medical Child Only Healthcare scheme as an individual from the age of 90 days, up to your 18th birthday.

Yes, unlike most other health insurers in the UK, at General & Medical our health insurance can include cover for pre-existing conditions. We have a list of pre-defined conditions that you can include in your policy for an additional premium. Cover is subject to an annual limit of £1,000, and the annual limit will roll up £1,000 each year, to a maximum of £10,000 after ten years, providing there have been no claims made related to the pre-existing condition and cover has been continuously provided.

We review your premiums annually to reflect the overall cost of claims and medical inflation. Our schemes are priced using age bands, reflecting that people are more likely to claim as they get older. This means that you could see an age-related increase in your premium in addition to our general review.

Your premium can be influenced by other factors such as the availability of new treatments, medical technologies and any claims made on your scheme.

You may cancel your policy by telephoning us, by email or in writing (see Contact Us for details).

You may cancel your policy during the 14 day cooling off period. This period commences on the day your cover starts or when you receive your policy documentation, whichever is the later. We will refund any premium paid at the date of cancellation, providing you have not used any of the services available on your cover and no claims have been made.

If you decide to cancel your cover before your renewal date and outside of the cooling off period, providing you have not used any of the services available on your cover or attempted to make any claims you can do this by giving us at least 30 days notice before the date on which you want your cover to cease. If you have incurred any claims costs, attempted to make a claim, used any of the services provided by your cover, or an incident has occurred which has led to a claim, or may yet lead to a claim against your policy, we will require you to pay any remaining unpaid balance of the full annual premium as shown on your most recent Schedule of Cover document. You will receive written confirmation from us that your cover has ceased and your cover will not continue beyond your cancellation date.

If you wish to cancel your cover at your renewal date you should tell us as soon as possible before your renewal date. Your cover will cease the day immediately prior to your policy renewal date. A 14 day cooling off period also applies at renewal, commencement of which is from your renewal date.

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