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
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
Is Private health insurance worth it?
What If I Already Have A Health Insurance Policy?
If I Have Pre-Existing Conditions, Can I Still Get A PMI Policy?
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 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.