Private Medical Insurance - Private Health Insurance
PMI
To secure you the best possible deal for Private Medical Insurance (PMI), we work independently to find the insurance policies that suit you best using leading private healthcare providers such as BUPA, Norwich Union, Secure Health, Universal Provident and Health on Line. Our service makes use of 'Mediquote', an electronic quotation system which allows us to provide you with a guaranteed private medical insurance quote almost instantly.
What is important to you?
- Price - We offer heavily discounted private medical insurance premiums.
- Basic cover, comprehensive or somewhere in between?
- In-patient and out-patient or just in-patient on its own?
- Are you willing to pay an excess to keep premiums down?
- Is a choice of hospitals available in your area important to you?
- Would you like to reduce premiums by opting for a six week NHS option?
- Is cover overseas required?
- Would you consider joining other interested people to obtain a group discount?
These are just some of the choices and decisions that have to be made before you buy your private medical insurance policy with discounted protection of premiums.
You may have this PMI policy for many years, get it right, and make an informed decision.
Budget, Standard and Comprehensive Healthcare Insurance - the differences
PMI plans:
Budget PMI Healthcare:
With this type of private medical insurance policy, normally only inpatient treatment is covered, this means that diagnostic tests, consultant's fees and outpatient treatments are not covered. A budget PMI policy best suits those who can afford to pay their own outpatient tests and consultants fees from savings leaving the policy to pay for the most expensive treatments such as operations.
Some insurers, such as Norwich Union, will include diagnostic tests and consultants fees, but only if this later results in an inpatient hospital stay. Inpatient radiotherapy and chemotherapy is covered by most insurers on budget PMI polices. Inpatient treatment is covered in full.
Standard PMI Healthcare:
This type of PMI policy covers full inpatient treatment such as operations and a range of outpatient treatments. Specialist consultations and diagnostic procedures, including pathology, radiology computerised tomography, MRI Scans, radiotherapy and chemotherapy up to a limit of anything between £500 - £2000 depending on the insurer. Normally, therapies such as treatment by registered Physiotherapists, Osteopaths, Chiropractors, Homeopaths and Acupuncturists will also be covered in a standard PMI policy, again up to specified limits that vary between insurers.
Comprehensive PMI Healthcare:
Comprehensive private medical insurance policies are very much top-of-the-range healthcare solutions. A typical comprehensive PMI policy will include full inpatient cover, unlimited outpatient cover as described above, MRI and CT scans. Your Comprehensive PMI plan will also include other benefits, such as psychiatric cover, travel cover, dental cover, maternity benefits, infertility probelems, home nursing costs, chiropody, recuperative care and incidental hospital expenses (telephone calls, newspapers etc). For complete peace of mind a comprehensive private medical insurance plan is the policy you should choose.
Click on a link below for a selection of price comparisons.
