How Does Health Insurance Work?

The UK is one of the few countries in the world that boasts free healthcare. However, while NHS treatment is widely available, perhaps you would like to be able to choose where you receive treatment? Do you want to be assured that you will receive the highest quality drugs and care? Or, maybe you don’t want to wait on a list for treatment and would prefer to be treated straight away?

The best Private Medical Insurance (PMI) gives you access to private healthcare quickly and at a location convenient to you. It allows you to avoid NHS waiting lists and receive fast-track consultations and private treatment for short-term, curable medical problems. And, as with other types of insurance, it’s always there if you need to make a claim.

Claiming on a PMI policy is normally a three step process:

  1. You visit your GP for an initial diagnosis
  2. If you need to be referred to a hospital or specialist then you tell your GP you have PMI and they will refer you to a private consultant/clinic
  3. You speak to your PMI provider about your claim and they check you are covered and give you the go-ahead

Complete our online form and get a PMI quote today. Or keep reading to learn more about what PMI covers and what policy exclusions typically apply.

What does PMI cover?

Most private medical insurance plans cover the cost of private treatment including consultations, surgery, drugs, nursing and hospital care. You may also be able to add additional cover including dental or optical care and personal accident cover.

Your specific cover will be determined by the terms and conditions of the policy that you buy. That’s why it is important for you to seek out professional, independent advice when searching for the right private medical insurance. And, we can help you. Simply fill in our online form and one of our independent, FSA registered brokers will contact you to compare your PMI options.

What is generally excluded from a PMI policy?

You will find the most PMI policies don’t include:

  • Cover for any pre-existing medical conditions
  • Accident and emergency treatment
  • Cover for normal pregnancy and childbirth
  • Organ transplants
  • Chronic conditions such as diabetes, hypertension or epilepsy
  • Injuries that occur as a result of dangerous sports or from war

You should also bear in mind that you won’t necessarily be treated in the location you demand by the consultant you choose. For example, if your chosen consultant charges a fee that is higher than your policy schedule, you may have to choose a cheaper consultant or pay the difference. And, you may not always receive treatment in a private hospital. For example, you may be treated on a private ward in an NHS hospital.

Getting the right PMI cover is crucial. When you complete our simple online form you’ll be contacted by an independent broker who will compare PMI policies and costs to find the right cover for you. Get in touch today.

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