What is BUPA's excess, and pre-existing condition period?

Poq

So I was reading an article: http://www.thisismoney.co.uk/money/bills/article-1725956/Beware-the-black-holes-in-private-health-cover.html

"Another annoyance for people taking out medical insurance is that pre!existing medical condi!tions are not covered, which deters people from switching providers. Axa PPP, for example, will generally not cover policyholders for two years (from when they take out the policy) for any condition they have even asked their GP for advice on in the previous five years."

What can you tell me about BUPA and that kind of stuff?

Also, is there an excess I need to pay with BUPA for any treatment or whatever (of non pre-existing conditions)?

InsideInsurance

You can elect to have an excess in exchange for reduced premiums. In most cases the excess is payable once per policy year

Most personal PMI is underwritten and therefore you declare your pre-existing conditions up front and the underwriters will decide if they'll provide cover for them or not and what impact, if any, it has on your premiums.

Often, if you have already been covered by a PMI for a number of years and unbroken you want to switch providers then new providers tend to be a bit more considerate towards a pre-existing, esp if you've not claimed for it whilst under cover with other providers.

The advantage of working with larger corporations is that they often have a non-underwritten policy and therefore pre-existings are covered and thus making it easier to get personal cover afterwards (which is what I did)

Poq

InsideInsurance wrote: »

You can elect to have an excess in exchange for reduced premiums. In most cases the excess is payable once per policy year

Most personal PMI is underwritten and therefore you declare your pre-existing conditions up front and the underwriters will decide if they'll provide cover for them or not and what impact, if any, it has on your premiums.

Often, if you have already been covered by a PMI for a number of years and unbroken you want to switch providers then new providers tend to be a bit more considerate towards a pre-existing, esp if you've not claimed for it whilst under cover with other providers.

The advantage of working with larger corporations is that they often have a non-underwritten policy and therefore pre-existings are covered and thus making it easier to get personal cover afterwards (which is what I did)

The BUPA would be provided by an employer -- a big company.

So I'll see what deal they'd pick.