Why choose a medical insurance?

In the UK we National Health Service (NHS) which provides us with the necessary public health service when needed. NHS provide the main healthcare service including primary medical care, general practice, in-patient and long term health care, surgery and other needed service.

Unfortunately it is not the most efficient of service at the moment and many would agree with it. In theory it is free but in practice it is not. We pay heavily on national insurance contribution to be receiving this service. In other NHS is really a high premium health insurance service.

Although NHS provides the necessary service, the stories covering NHS tell us a different story. Staff shortages, malpractice, lack of hygiene, punctuality of service all are some of the good service characteristics lacking at NHS.

More and more people are starting to believe that going private is the only practical option. The cost of private treatment is prohibitive for most people in Britain, but if you have adequate medical cover, costs can be paid for by your insurance company. Therefore, PMI can cover the costs of private treatment when it's needed.

How does private health insurance work?

Private Medical Insurance help towards the cost of private treatment for short-term curable illnesses and injuries; it can give that extra reassurance or receiving prompt service when needed. None of wants to wait in the queue with an illness or condition that we would like to be treated for straight away, less so for the loved ones and our children.

So much so, even NHS doctors themselves use private medical insurance. It helps them get the required treatment fit around their schedule.  

What is the cost of PMI (Private Medical Insurance)?

Just like any other insurance the cost of private medical insurance varies on a number of factors including age, gender, state of your health, any pre-existing medical condition, whether you are a smoker or not etc.

Which Private Medical Insurance provider shall I choose?

Choosing the correct health in insurance can be difficult. It is very easy to research for health insurance on the internet or over the phone with an insurance company.

Ideally you would want a policy that

• Meet your budget
• Cover the required healthcare
• Meets the necessary treatment options
• Gives you the option of choosing your preferred treatment location

To get the right health cover you need or if you'd just like to get some advice on health cover, please get in touch.

You will also find this private medical guide from the Association of British Insurers helpful.