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Private Medical Insurance

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Private Medical Insurance / Health Insurance

Why Do I Need Private Medical Insurance (PMI)?

A private health insurance policy is not meant to replace the NHS but to work alongside providing benefits such as:

Prompt referral from a consultant

Quick admission to hospital

Treatment at a convenient time

Quick access to cutting-edge diagnosis and treatment

High-quality private clinic and hospital accomodation

Some private medical insurance policies will also pay you a cash benefit when you choose NHS instead of having private treatment.

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What If I Already Have A Health Insurance Policy?

As we progress through life, our needs and budgets change. If you don’t regularly review your policy, you could be paying for PMI benefits you no longer need or paying a higher premium than you need to. We can offer you a free health insurance check-up that will:

Review your current policy to make sure it reflects your needs

Check whether we could save you money without sacrificing important cover

Give you clear recommendations to enable you to make an informed decision

Compare your policy to others on the market so you can be sure you're not paying too much

Find out if we can add valuable extra benefits within your budget

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If I Have Pre-Existing Conditions, Can I Still Get A PMI Policy?

Private Medical Insurance is designed to cover new eligible medical conditions that may arise after the start date of a policy. It is usually not possible to cover a pre-existing medical condition. This does not mean you cannot obtain a Private Medical Insurance policy, however any pre-existing conditions you have will be excluded from your cover.

There are some standard treatments and conditions that aren’t covered, these are:

  • Any regular monitoring or treatment of conditions that aren’t covered e.g. diabetes or allergies
  • Any treatment you receive out of the UK
  • Emergency treatment or visits to your NHS GP
  • Pregnancy, childbirth and most related conditions
  • Cosmetic treatment
  • Organ transplants
  • Any treatment or practises that are experimental, unproven or unregistered
  • Any treatment for learning difficulties, delayed speech disorders and other developmental problems

As each pre-existing condition is dealt with on a case-by-case basis and is dependent on your medical history and your particular situation, we recommend talking to one of our health insurance advisers to find out what options are available.

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Most Common Questions

Private Medical Insurance (PMI) is a policy that is designed to give you fast access to diagnosis and treatment at high quality, comfortable clinics and hospitals with private facilities.
Some employers offer health insurance as part of their benefits package to ensure that employees receive high-quality healthcare and are treated quickly. If you believe that your employer’s PMI plan doesn’t cover all your healthcare needs, submit an enquiry and ask about the additional cover.

The cover can be tailored to meet your individual needs and to suit your budget. We have access to major health insurance providers who can offer a wide range of health insurance benefits such as in-patient cover, out-patient cover, alternative therapies cover, psychiatric treatment and cancer cover.

Private Medical Insurance usually comes with some restrictions which include, but are not limited to:

  • Accident & emergency services
  • Pre-existing medical conditions
  • Treatment for chronic conditions
  • Pregnancy and & maternity (including infertility treatment)
  • Experimental & unproven treatments
  • Cosmetic surgery for improving appearance

However, there are always exceptions to the rules and some insurance providers may be able to cover some of these after a certain qualifying period or through specific additional benefits that can be added to your PMI policy. In order to find out if your particular health condition can be covered, please contact our health insurance advisers who will be able to answer your questions.

Most PMI policies start with a basic level of cover that usually includes the following:

  • In-patient and Day-patient treatment cover
  • Cancer Cover
  • MRI, CT & PET Scans
  • NHS cash benefit (when you receive treatment as a non-paying patient in an NHS hospital)

Most PMI plans are flexible and the following benefits can often be added to meet your requirements:

  • Out-patient Cover
  • Alternative Therapies Cover
  • Psychiatric Cover
  • 24hr GP Helpline
  • Dental Cover

Your health plan can be tailored to you and your budget by choosing the level of cover that suits you, your own excess levels and choice of hospitals. For more information about private medical insurance or to get a quote, please call us on 0800 083 2829