Private Medical Insurance
What is Private Medical Insurance (PMI)?
A Premium Health Service. Private Medical Insurance is available for individuals, families, and company owners and employees. It’s an insurance policy that will pay for a variety of medical expenses incurred from private treatment, usually when referred by a GP. With PMI you get a premium health service, ie you avoid the months of waiting for a National Health Service (NHS) appointment and in some cases you’ll get access to new, expensive treatments and drugs that aren’t available on the budget-strained NHS. PMI is an annual insurance policy, which can be paid either in instalments or as an annual lump sum (which often reduces the premiums). PMI typically does not cover chronic conditions (eg asthma, diabetes, etc) dental work, optical work, pre-existing conditions (although certain underwriting can allow cover for some pre-existing conditions after a qualification period), or medical expenses incurred abroad, but options for these types of cover can be added to many policies if required for an additional premium.
More choice and higher flexibility. A PMI policy ensures you get the opportunity to choose between hospitals, consultants and specialists. Besides eliminating waiting lists, PMI also offers the flexibility of being treated at a time that’s convenient to you, including evening and weekend slots.
Extra comfort. Private Medical Insurance also offers a greater level of comfort. NHS hospitals will offer basic beds often in busy mixed wards, while private hospital treatment is often a hotel-like experience with more luxurious, quiet private rooms and a varied a la carte menu. On top of that, you also have unrestricted visiting hours so friends and family can stay as long as they want whenever they want. Don’t save on your most valuable asset – Talk to us now for a free health insurance quote and discover how affordable it can be.
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