UK Private Medical Insurance

Compare UK Private Medical Insurance (PMI) Plans

Below is a rough guide to Private Medical Insurance (PMI) but it is not an exhaustive definition.

All Private Medical Insurance (PMI) policies cover you for in-patient care - this means hospital charges, consultants and specialists fees, diagnostic tests and treatment for a hospital stay.

You can opt for additional cover by adding out-patient care to your private medical insurance policy which covers you for any treatment needed without a hospital stay, such as Physiotherapy.

If you opt for both covers, you will ensure that any treatment you need will be covered by your private medical insurance policy.

Finding the right private medical insurance is important and here are some things you can take into consideration.

Be aware that many private medical insurance policies are reviewable. This means that if the overall claims experience of a company over their bank of policyholders, are greater than expected they can increase the premiums across the board to all policyholders. This means that private medical insurance companies can try to buy business with low premiums, only to increase them in later years. Because of this hazard the cheapest reviewable quote may not prove to be such good value as a guaranteed quote.

What Private Medical Insurance policy do you require?

Standard Private Medical Insurance

A Budget private medical insurance policy generally covers you for in-patient costs and day-patient treatment. Some private medical insurance companies may also include additions to the budget cover such as NHS cash benefit or parent accommodation.

Intermediate Private Medical Insurance

Intermediate Private Medical Insurance cover would generally include in-patient and out-patient treatment possibly including consultations with specialists and alternative therapies such as physiotherapy or acupuncture.

Comprehensive Private Medical Insurance

As well as in-patient and out-patient cover, Comprehensive private medical insurance cover may include the additional benefits of nursing at home, private ambulance transport and out of pocket expenses.

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