Private Medical Insurance Advice

How Does it Work?

Private medical insurance (PMI) is designed to cover the costs of private medical treatment, for what are commonly known as ‘acute conditions’ that start after your policy begins.

This is defined by most insurers as a disease, illness or injury that is likely to respond quickly to treatment with the aim to return you to health you were in immediately before suffering the disease, illness or injury. Your insurer can tell you about their cover for this and other conditions, such as cancer and long-term (Chronic) conditions.

The cover means you can get treated quicker than if going through the NHS. As with all insurance the cover you get varies – but basic PMI may cover the costs of most in–patient treatments and day–care surgery, and some extend to out–patient treatments (such as specialists and consultants).

How Can Private Medical Insurance be Purchased?

Cover can be purchased on a full medical underwriting basis, which means you will be asked a number of questions about your health and, based on the information you provide, the insurer will decide the conditions of your cover. You can also apply for cover on a moratorium basis, which means you will not be asked any questions about your health, but if you have suffered from any health conditions in the last five years, these will automatically be excluded from cover initially.

Let us Advise You of the Most Appropriate Private Medical Insurance

We are able to efficiently assess your needs and find the right type of Private Medical Insurance cover for you and your loved ones.

Please contact us now and we will arrange a consultation with you to discuss all of your requirements and find the policy to best suit your circumstances.