Private Medical Insurance

The PMI market is perhaps best characterised by its diversity of plans and providers. Although this does make a like for like comparison all the more difficult, it does mean there should be a suitable plan that can be tailored to your needs. Concerns over NHS waiting lists have massively increased the need for effective medical cover for businesses and individuals. Due to reductions in the level of State provision, growing waiting lists and, in some cases, refusal by health authorities to pay for certain procedures, even straightforward treatments can be a source of hardship if adequate provision is not made.

Private Medical Insurance (PMI) has valuable benefits for policyholders, providing them with quick and efficient medical treatment.

Changing demographics mean increased pressure on the NHS, but PMI Schemes can provide:

• An appointment with a Consultant within a short space of time.
• Admission to hospital quickly and at a time to suit you.
• Privacy and comfort; most independent hospitals have private rooms with en-suite bathroom, telephone and television.
• The ability to keep in touch with the office/work; secretarial and fax facilities are often provided by independent hospitals.
• The ability to be covered for a wide range of health services with the professional skills and technology to undertake numerous diagnostic, medical and surgical procedures.
• The option of greater flexibility for outpatient treatment, with the availability of a wider choice of appointments, including evenings and weekends.

The benefits provided by PMI plans

Plans vary considerably in terms of which benefits are on offer. This section clarifies what the different benefits available are.

Factors affecting Private Medical Insurance monthly costs

Given the very wide range of options available, these come at a price. To make PMI accessible to a wider range of the population, product providers have introduced exclusions and restrictions. This section clarifies what some of these limitations are and how it affects your cover.

How to compare different PMI plans

Making a "like for like" comparison is difficult. This section touches on how to interpret the PMI options before selecting the right one for you.

Underwriting/Moratoriums

Private Medical Insurance underwriting and moratorium processes explained.

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