Everyone needs medical health insurance. If you are intending to go for private medical insurance then it is obvious that you would never have to wait long to get your first payment for treatment. When you adopt insurance plan then you have to pay the installments on monthly or yearly basis. These installments cover injuries or short term ailments along with acute conditions. There is a list of conditions that are excluded from the list of some private medical insurance companies. This list includes pregnancy, self-inflicted abuse, drug abuse, organ transplants and cosmetic surgery which are excluded from insurance cover. Before signing up an insurance plan, don't forget to read insurer's leaflet thoroughly. The cost incurred due to emergency or accident is not covered by private medical insurance as there is no capability in private hospitals for this purpose.

With private medical insurance, you have to pay high monthly installments. Every year, these rates of installments are increased. No matter how many claims you do for medical treatment, it doesn't affect your monthly or yearly installments. With the passage of time, the rate of premiums is increased as you get old. This is because you are likely to make more claims for treatment. According to an estimate, 65 year old person pay double premiums as compared to 45 year old. While selecting private medical insurance policy, don't forget to check it either it is giving in patient, out patient or day patient treatments.

To make sure that you are eligible for insurance, you have to provide all of your medical information. For this purpose, you just need to fill out the form providing your medical history. Private insurance company is liable to contact your family doctor to know more about your existing medical conditions. If you are feeling hesitation in filling out the form then you can simply adopt moratorium option. If you are already suffering from some disease then the treatment costs for that are not covered by insurance company.