Private medical insurance covers the cost of private medical treatment for diseases, illnesses or injuries. We offer comprehensive advice and as we are independent we can search the whole market to find products that best meet your needs at the most competitive premiums.
Individuals with private medical insurance can benefit from greater choice and quality of care facilities and shorter waiting times for treatment compared to individuals treated on the NHS.
Should medical treatment be necessary private medical insurance has the following advantages over reliance on the NHS service
Includes chemotherapy and radiotherapy. However, there are generally two levels of cover as described below.
Outpatient cover usually has two sections
(Note that MRI, CT & PET scans would be covered under core cover whether or not outpatient cover was selected).
NHS cash benefit
Under a private medical insurance policy, the policy will pay for any stay in a private hospital where there is a cost attached to the stay and the treatment. There may be times when you require treatment in an NHS hospital; it may be an emergency or treatment that may be considered better or more appropriate in an NHS hospital. Under this circumstance the treatment is free, and the insurance company has nothing to pay. The insurance company will pay you an amount for your “inconvenience” at having to be treated at an NHS hospital.
Transplants are not covered by private medical insurance policies because transplants can only be done on the NHS.
Differentiation between acute and chronic conditions
If a dental section exists any excess usually would not apply nor would it affect the no claims discount so in effect this is a cash plan bolt on. There are 2 levels of dental cover as described below:
Dental annual limits: crowns – £300/yr
bridges and implants – £200/yr
root canal treatment – £150/yr
apicectomy – £100/yr
extractions – £150/yr
accident and emergency – £2,500/yr