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Why Do I Need Private Medical Insurance (PMI)?

A private health insurance policy is not meant to replace the NHS but to work alongside it. It provides extra benefits that you may prefer to have on offer for you should you need medical attention. Having a Private Medical Insurance plan in place can provide benefits such as:

  • Prompt referral from a consultant if you are unwell or have any issues that you need further investigating
  • Quick admission to hospital if you become ill or injured
  • Treatment at a convenient time for you around your busyday to day schedule
  • Quick access to cutting-edge diagnosis and treatment, avoiding longer waiting times to be seen via the NHS
  • High-quality private clinic and hospital accommodation should you need further treatment
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Some private medical insurance policies will also pay you a cash benefit when you choose NHS instead of having private treatment. This is something we can look at when finding youa plan that works well for you and your budget.

At The Insurance Surgery, we are experts in finding you an insurance policy that suits your personal circumstances. Our team of specialists can do all the hard work for you, whether you need a life insurance policy, critical illness cover, income protection or private medical insurance.

We offer free and impartial advice when taking out a new policy and can do all the hard work for you. Using a broker like The Insurance Surgery saves you time when searching for your perfect policy. We can compare quotes from a huge range of insurance companies for you, so you don’t have to fill in multiple quote forms, make countless calls and compare numbers yourself.

Fill in our online quote form today for free advice

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Is Private health insurance worth it?

In the UK we are incredibly lucky to have the National Health Service, providing free medical attention to everyone in the country that needs it. However, there can often be a waiting list to see a medical professional and get the medical attention that you need.

A Private Health Insurance policy is ideal for anyone with the budget, who would value reduced waiting times and access to better medicines and treatments.

It also offers additional comfort and privacy if you need to stay in a hospital for treatments. If you are looking for more choice and flexibility around when and where your treatment takes place, it could be worth taking out a PMI policy.

Our expert team can talk you through your options and determine whether it’s the right decision to make. We can find you a policy that you are happy with and that is within your budget.

What If I Already Have A Health Insurance Policy?

As we progress through life, our needs and budgets change. Getting older may mean we need more medical attention and your salary may allow you to afford private medical insurance. Earlier in life when you are building your career and starting a family, it could have been slightly out of your budget.

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. It is important to keep on top of your policies and make sure your needs still align.

Our advice is completely free and impartial if you feel the need to review your policy. 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?

Although The Insurance Surgery specialise in life insurance for people with pre-existing medical conditions. However, it is usually not possible to cover pre-existing conditions with private medical insurance.

Private Medical Insurance is designed to cover new eligible medical conditions that may arise after the start date of a policy. 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.

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There are some standard treatments and conditions that are not covered. These include:

  • 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

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.

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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.

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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)
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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.

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Why should I consider Private Health Insurance if I am self-employed?

Although the NHS does an excellent job and is a well-loved national institution, it is under pressure due to budget constraints and rising healthcare needs. This is especially true after the Covid-19 pandemic.

Looking after your health and wellbeing when you are self-employed is particularly important. As of June 2021, there are approximately 4.2 million people in the UK who are self-employed.

As of May 2021, almost 5.3 million people in the UK are on an NHS waiting list for treatment, up from 4.4 million in January 2020. Having a private medical insurance policy in place when you are self-employed can mean that your wait times may be reduced to less than 18 weeks. Eighteen weeks is the average wait time on the NHS just to get a referral. It can help you get the treatment you need to get back to work in full health a lot quicker.

You will have access to health facilities such as a private room in private hospitals and treatment at a time that is convenient for you in any hospital or clinic. There is also a chance you’ll have access to more advanced therapies and drugs that aren’t accessible on the NHS.

If you are interested in taking out a private medical insurance policy, you can get in touch with one of our expert team today. They can go through the options that you have and find a policy that is suitable for you. You can pay a monthly fee alongside your life insurance premium for peace of mind that you can access private medical treatment should you need it.

The Insurance Surgery can help you understand exactly how health insurance works and get you the quotes you need to make a decision.

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Speak to us 0800 083 2829