Private Medical Insurance (PMI)

The Insurance Surgery is pleased to be able to offer our clients the services of  Protego Group Limited who specialise in Private Medical Insurance.

You will be able to take advantage of professional advice on the many different plans on the market, enabling you to ensure that the policy you select is right for your personal circumstances.

Although The Insurance Surgery specialises in providing insurance for clients with pre-existing medical conditions we are happy to also advise clients who are in good health who wish to obtain advice on either a new plan or reducing the costs of their existing private medical insurance plan.

Private Medical Insurance and pre existing conditions

When applying for Private Medical Insurance it is important to make sure that you disclose any pre existing medical conditions at the quotation stage and application.

Insurance companies will not usually charge you an extra premium for existing conditions, but they will probably exclude cover for your condition and related conditions from the policy. However, some companies may cover those conditions after two years depending upon certain circumstances. Should you need treatment for an unrelated condition your policy would be valid.

If you wish to obtain cover for your pre-existing condition we would suggest considering our Health Cash Plan which is a low-cost alternative to private medical insurance.

The benefits of Private Medical Insurance

• Freedom from NHS waiting lists
• Treatment at a time and place convenient to you.
• Flexible visiting hours to suit family and friends
• Access to top medical staff
• Privacy with 'Hotel style' facilities at a time when you'll really appreciate it

How can The Insurance Surgery help?

Selecting the right policy for your budget and circumstances is vital. There are dozens of different policies available all with different features and benefits.

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www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Introducer Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Insurance Surgery Limited, registered in England No. 5137288 Registered Office: Wood Street Mill, 45 Pickford Street, Macclesfield, SK11 6HB. Telephone 0800 083 2829