When buying health insurance via your broker, provider or a comparison site you should look to receive your documents soon after the set up. The costs per insured person will vary as your premium is predicated on age and postcode but there are some constants that we can all expect to see when insured. Before you set up you plan you will be asked to answer a medical question that tends to relate to Heart conditions, Stroke, Cancer, Diabetes or Mental Health. Typically if you have suffered one of these problems in the last five years you can expect to see a slightly higher premium with some providers and don't forget that all pre-existing medical conditions will only be covered after a 2 year Watch and Wait period. Related medical conditions may also be excluded so be sure to read the small print in your policy wording as some providers to check what will and will not be covered. The Moratorium method of underwriting is the most popular, it demands no medical tests or GP notes and you can be covered immediately. You can declare your medical history but this may result in a life time exclusion to your policy so again just make sure you fully understand both methods before agreeing to cover. Private Hospitals are a plenty in the UK with The Nuffield, BMI and Spire facilities being the most common facilities, London hospitals will be covered but you will often have to increase your directory in order to use the and as expected the cost will go up!. Knowing that you have the right policy will only be for you and your broker to decide as providers and comparison sites are not authorised to recommend or advise. Making the comparison's via a broker not only means you will receive a full market review but you will also get expert industry and policy level advice to help you make the right decision.