Private Medical Insurance UK

Private Medical Insurance Comparison

Comparing the benefits of taking out any insurance policy is essential before committing to the premiums and private medical insurance is no different.

Below we have listed some of the advantages to enable you to compare some of the benefits of private medical insurance.

Your individual circumstances may effect the overall price of a policy and restrictions may apply to what is covered. To make sure you get the right cover you are looking for we recommend speaking with a Private medical insurance expert.

Some of the advantages of UK Private Medical Insurance

• Short waiting times: Waiting times on the NHS have been reduced in recent years from referral to treatment, but for some conditions it can be months to access the specialist care you need. UK Private medical insurance can help you access the treatment you need when you want it.
• Peace of mind: If you do fall ill private medical insurance can help you access the right treatment quickly. It can also help cover additional costs associated with the illness.
• Private room: In most cases private medical insurance will include the provision of a private room off a main ward, you may also have an en-suite bathroom.
• Choice of where you access treatment: You will usually be able to choose where to access your treatment and which doctors will treat you.
• Specialist care: You will be seen by a consultant or a senior medical specialist, you will have more time to discuss your symptoms in depth.
• Continuity of care: You are likely to be treated by the same consultant through out your treatment.
• Specialist claim support team: Many insurers have specialist support teams that deal with certain type of conditions, such as cancer. These teams will understand what issues you are facing and can also give helpful supportive advice

Some of the disadvantages of UK Private Medical Insurance

• Not all conditions are covered: Depending on your policy not all previous medical conditions are covered. Some policies will cover pre-existing conditions for an additional premium.
• Some appointments and treatments are not covered: Once you have been referred by your GP you will need to call your insurance company to check you are covered for the condition you are being referred for.
• Selecting the right policy can be confusing: There are now many companies offering PMI policies all offering differing levels of cover. It is worth talking to a private medical insurance specialist broker. Brokers can compare policies from many companies and help you find the right policy for your needs.
• Private Hospitals: Private hospitals often do not have the same resources as NHS hospitals for treatment of certain conditions. In these situations it may be worth still seeing a consultant privately and then accessing your treatment via a NHS hospital, some plans will still have other benefits such as cash payments for nights spent in NHS hospitals.
• You get what you pay for: PMI is an insurance policy and typically the move you pay the better the benefits are if you need to access them.
• Not a replacement to the NHS: It is important to note that Private medical insurance is not designed to replace the NHS but to help you access the the care you need when you want it.

Get a free no obligation quote private medical insurance quote filling out on of our enquire forms. The medical insurance broker will help you to make an effective comparison of the private medical insurance policies on the market to day.

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