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Private Medical Insurance

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Private Medical Insurance / Health Insurance

Why do I need private medical insurance (PMI)?

A private health insurance policy is not meant to replace the NHS but to work alongside providing benefits such as:

  • Prompt referral from a consultant
  • Quick admission to hospital
  • Treatment at a convenient time
  • Quick access to cutting-edge diagnosis and treatment
  • High-quality private clinic and hospital accommodation

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Some private medical insurance policies will also pay you a cash benefit when you choose NHS instead of having private treatment.

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What if I already have a health insurance policy?

As we progress through life, our needs and budgets change. If you don't regularly review your policy, you could be paying for PMI benefits you no longer need or paying a higher premium than you need to.

We can offer you a free health insurance check-up that will:

  • Review your current policy to make sure it reflects your needs
  • Compare your policy to others on the market so you can be sure you're not paying too much
  • Check whether we could save you money without sacrificing important cover
  • Find out if we can add valuable extra benefits within your budget
  • Give you clear recommendations to enable you to make an informed decision

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If I have pre-existing conditions, can I still get a PMI policy?

Private Medical Insurance is designed to cover new eligible medical conditions that may arise after the start date of a policy. It is usually not possible to cover a pre-existing medical condition from the last five years prior to the start date of your health insurance policy. However, some insurance providers may be able to cover a pre-existing condition after a policy has been in place for two years, even if in that 2 year period there has been treatment, symptoms, medication or advice given.

Examples:

John had knee ligament damage 18 months before he signed up for a private medical insurance policy and his knee was still sore when his policy incepted. The health insurance policy has not covered John for anything related to his knee condition in the first two years. After the second anniversary of the policy, if John’s knee is still causing him problems, he could, upon a GP referral, be able to see a specialist and obtain private treatment for the condition*.

Sandra had fibromyalgia when she signed up for a private medical insurance policy. If she has any medical issues related to this condition in the first two years, these would not be covered. After two years, if she has any acute flare-ups related to this condition, the insurance provider could cover the costs of obtaining treatment privately*.

*subject to the terms & conditions of the policy

There are some ongoing conditions that will usually never be covered, such as diabetes, heart conditions, cancer and mental illness.

If you have an existing private medical insurance policy in place, it may be possible to switch providers and get a new cover under similar conditions as the old one, without any new medical exclusions.

Depending on your circumstances, we may even be able to help you remove medical exclusions from existing policies or negotiate on your behalf with the insurers on a new policy.

As each pre-existing condition is dealt with on a case by case basis and is dependent on your medical history and your particular situation, we recommend talking to one of our health insurance advisers to find out what options are available.

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Our Partner

The Insurance Surgery has partnered with UK Health Insurance, an independent private medical insurance broker. Their expert team of advisers can help you choose the right health insurance policy for your needs and budget.

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To speak to an adviser, call UK Health Insurance on 01202 755 752 - Monday to Friday: 9am - 6pm


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Most Common Questions

Private Medical Insurance (PMI) is a policy that is designed to give you fast access to diagnosis and treatment at high quality, comfortable clinics and hospitals with private facilities.

Some employers offer health insurance as part of their benefits package to ensure that employees receive high-quality healthcare and are treated quickly. If you believe that your employer’s PMI plan doesn’t cover all your healthcare needs, submit an enquiry and ask about the additional cover.

The cover can be tailored to meet your individual needs and to suit your budget. We have access to major health insurance providers who can offer a wide range of health insurance benefits such as in-patient cover, out-patient cover, alternative therapies cover, psychiatric treatment and cancer cover.

Private Medical Insurance usually comes with some restrictions which include, but are not limited to:
  • Accident & emergency services
  • Pre-existing medical conditions
  • Treatment for chronic conditions
  • Pregnancy and & maternity (including infertility treatment)
  • Experimental & unproven treatments
  • Cosmetic surgery for improving appearance

However, there are always exceptions to the rules and some insurance providers may be able to cover some of these after a certain qualifying period or through specific additional benefits that can be added to your PMI policy. In order to find out if your particular health condition can be covered, please contact our health insurance advisers who will be able to answer your questions.

Most PMI policies start with a basic level of cover that usually includes the following:
  • In-patient and Day-patient treatment cover
  • Cancer Cover
  • MRI, CT & PET Scans
  • NHS cash benefit (when you receive treatment as a non-paying patient in an NHS hospital)
Most PMI plans are flexible and the following benefits can often be added to meet your requirements:
  • Out-patient Cover
  • Alternative Therapies Cover
  • Psychiatric Cover
  • 24hr GP Helpline
  • Dental Cover

Your health plan can be tailored to you and your budget by choosing the level of cover that suits you, your own excess levels and choice of hospitals. For more information about private medical insurance or to get a quote, please call us on 01202 755 752

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