Private Medical Insurance
What Is Private Medical Insurance?
Private Medical Insurance, or PMI, is designed to cover the costs of private medical treatment for injuries or illnesses. This means policyholders can get quicker access to consultations and treatment or perhaps chose a convenient time or location for treatment. This will reduce the discomfort or inconvenience when reliant upon the NHS. Medical Insurance can be purchased by companies to insure their staff or by individuals. Policies can also extend to cover family members.
What Does Private Medical Insurance Cover?
Most polices will cover in-patient treatment where the patient has a stay in hospital and day-patient treatment where the patient spends some time recovering. Polices can also cover out-patient treatment and appointments. Some of the treatments covered include consultations, tests, surgery, chemotherapy/radiotherapy, physiotherapy and scans. There can also be benefits to pay for things like hospital expenses and access to treatments & drugs not readily available on the NHS.
Why Should You Purchase Private Medical Insurance?
The NHS is fantastic at dealing with emergencies but we are all aware that resources are limited therefore more routine treatment and appointments can result in long waits. A good PMI policy can reduce the time spent awaiting treatment therefore reducing absence from work, worry, inconvenience and pain. If you are an employer providing Private Medical Insurance to your staff is a welcome benefit to them and will reduce periods of absence. If you extend cover to your family you know that you will be able to obtain prompt first class service for the ones your love.
How Much Does Private Medical Insurance Cost?
Firstly this will depend upon your occupation and where you live. You may also be asked to consider if you want cover for pre-existing medical conditions, the amount of excess you require and any specific benefits you want to add or remove from cover. In most cases it works out cheaper to purchase cover as a group rather than as individuals.
How To Get Private Medical Insurance
Contact us and we will discuss some of the cover options available and take your details. In most cases we will be able to give you an indication within 48 hours. Give us a call on 01905 21681 or email us here