What is private medical insurance & what does it cover?
Private medical insurance (PMI), also known as health insurance, is designed to cover you for the cost of private medical treatment for acute conditions. Some benefits of having private medical insurance cover include:
- Access to faster treatment than on the NHS.
- Control over when, where and who you are treated by.
- Giving acces to a private room rather than being on a busy ward.
Acute vs Chronic Conditions
It is important to note that an acute condition can become a chronic one and vice versa a chronic condition can become an acute one. For more advise on which conditions can be covered get in touch.
It is important to understand your underwriting as this will impact on what you are and aren’t covered for. If you are taking out cover for the first time, then your underwriting options will be:
If you are looking to switch health insurers, had a minor gap in cover or are moving off a company policy then other underwriting options will be available. Discover more underwriting options >>
Getting an appointment with your GP can be a lengthy process and when you are eventually offered an appointment it may not be very convenient. Depending on the health insurer you will either be given access to a private GP or can choose to add this as an option. Some insurers offer digital GP access, so you don’t even need to leave home, or the office, to attend your consultation.
How is the cost of health insurance calculated?
The price of a health insurance policy is impacted by a range of factors, some of these will be in your control and others will not.
How to take out Private Medical insurance
We recommend, before setting up a policy, that you get in touch with a specialist health insurance broker who are authorised to provide advice. Most of the big insurers, along with other brokers and comparison websites, sell policies on a non-advised basis. With non-advised sales, as the customer, you are responsible for determining which policy is best for you. This can prove tricky as there are several options that make up a policy and should be tailored to your needs.
Request a call back
Schedule a call from one of our health insurance specialists at a time that is convenient for you.