Private Medical Insurance for you or your family
A simple definition of Private Medical Insurance (PMI) is a policy designed to cover the cost of medical expenses incurred during acute illness or injury.
More than 6 million people in the UK have PMI and there are over 200 different plans for individuals, ranging from budget to fully comprehensive. People choose health insurance for many reasons; however the following are among the most frequent:
- You choose the consultant
- You will be seen quickly and at a time to suit you.
- Once the need for hospital treatment is agreed, the waiting time may be as short as a few days.
- Private room in a modern private hospital with hygienic en-suite facilities and quality meals.
- Unrestricted visiting hours.
Plan benefits vary considerably and it’s just as important to know what’s not covered, as what is! Most insurers now offer core cover with the flexibility to select options to increase cover or options to contain costs, giving you the choice to tailor the product to your specific needs at a price that suits you.
Below is a brief outline of the core benefits of Aviva’s Solutions product:
Your core cover can usually be tailored to increase cover or deduce cost with the following options:
- Psychiatric Cover
- GP Referred Services
- Extended or reduced Hospital Lists
- Dental & Optical Cover
- Six Week Option for in-patient or day-patient treatment
- Increasing or decreasing Excess payable
- Benefit reduction
- Reduced Out-patient Cover
Of course the above tables have simplified the reality because no two health plans are the same. Then you may want to think about the choice of private hospital, whether to pay yearly, take an excess or what is a low claims discount, etc!
All in all choosing a health plan that gives you the peace of mind in terms of costs and benefits can be quite daunting so that’s why it’s better to speak to an expert and let them do the work for you...for free!
Why buy your Private Health Insurance policy through us:
- We really do have access to the whole market.
- You can trust us, we’ve been in healthcare since 1996 and we are one of the largest independent specialist Private Health Insurance brokers in the country.
- Our healthcare advisers are not paid commission so their sole motivation is to give you the right advice.
- Advice is free of choice and without obligation.
- Each year we review your health cover ensuring you always have the policy that suits your needs.
- Once you are with us we give ongoing health insurance advice and support throughout the year.
- We don’t just tell you what you get; we also tell you what’s missing!
As you can see Private Medical Insurance is a complex purchase and that is why we try to simplify the process for our clients. But perhaps most importantly, we work with you as your healthcare partner, acting on your behalf not the insurers.
We also offer advice and quotations on not just Private Medical Insurance, but also on the following health-related insurances:
Why not contact your independent adviser, Healthcare Partners, to find out more.
