Frequently Asked Questions

What isn’t covered?
Can I change my medical insurance company?
Why do I need medical insurance?
Am I covered for medical problems I have had in the past?
Do I really need cover for "non-Urgent" or "low-priority" conditions?
Who can be covered with Best Health's medical insurance?
Will my premiums ever increase?
Am I under any obligation by applying?
Will I need a medical or Doctor’s report?
Are there any exclusion?
Can I contact someone if I have a query?
What do I do in the event of a complaint?

What isn’t covered?
Usually pre-existing conditions and chronic conditions

Can I change insurance company?
If you are currently insured you can switch to most group schemes and still retain cover for conditions that are covered by your existing insurer. Each year Best Health will review your healthcare needs and suggest the best option.

Why do I need medical insurance?
The NHS is acknowledged as one of the best providers of medical care in the world, especially for accidents, emergencies and life threatening illnesses. Unfortunately there are long waiting lists for many conditions and the NHS finds it difficult to offer priority treatment for everyone. Medical insurance helps people by providing rapid access to top quality care.

Am I covered for medical problems I have had in the past?
You can have your policy with what is called Moratorium underwriting. This means that for any condition you suffered in a specified number of years before taking out the policy, if you do not suffer from this condition again within another number of specified years, you will then be covered for this condition. For example some providers work on a moratorium basis that if you suffered from a condition within 2 years prior to taking out your policy, you will be covered for this condition if you do not suffer it again within 2 years after taking out your policy.

Do I really need cover for "non-Urgent" or "low-priority" conditions?
"Low-Priority" definitely does not mean "not serious". You could wait up to two years for a triple bypass for example, or for a hip replacement or the removal of impacted wisdom teeth. Waiting can be worrying and painful and prevent you from leading a normal fulfilling life. Maybe it would even prevent you from earning your living!

Who can be covered?
Anyone resident in the UK. If you are resident elsewhere, we can arrange suitable cover.

Will my premiums ever increase?
Your medical insurance premiums will increase as you move into each age band. But few companies increase premiums in relation to the number of claims you make. They may also increase generally if new procedures are added or if medical costs or Insurance Premium Tax increase. Whatever happens you will always get plenty of notice.

Am I under any obligation by applying?
No. You have 14 days in which to review your policy and only then do you decide if the plan is right for you. If you decide it isn’t, you simply cancel and you won’t owe a penny.

Will I need a medical or Doctor’s report?
Cover is easy to arrange ­ you do not need to have a medical examination and there is no need for a doctor’s report. All you have to do is complete the application and acceptance form.

Are there any exclusion?
Only pre-existing & chronic conditions and whatever the plan chosen excludes which will highlight to you.

Can I contact someone if I have a query?
Yes. Please call Best Health on 020 8989 0363 Lines are open 9am to 5pm Monday to Friday but you can leave a message outside of these hours. Helpful, Friendly and experienced staff will be only too pleased to answer any questions you may have and to help in any way possible.

What do I do in the event of a complaint?
Our aim is at all times to provide you with an excellent service. However, there may be occasions when our service falls short of your expectations. If you are unhappy with our service please write to our Principal Firm at the following address: Compliance Department, The Right Mortgage Limited, St Johns Court, 70 St Johns Close, Knowle, B93 0NH, or by telephone on 01564 732744.

• Our principal will send you a written acknowledgement confirming receipt of your complaint and will inform you of the name or job title of the individual handling the complaint (together with details of the internal complaint handling procedures).
• A final response will be issued within eight weeks of the initial receipt of your complaint or they will explain why they are not in a position to make a final response.
• In the unlikely event that no response is provided by our Principal firm within the eight week period you are entitled to refer your complaint to the Financial Ombudsman Service.
• If you remain dissatisfied with the final response you then have the right to refer the complaint to the Financial Ombudsman Service and must do so within six months.