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Private Medical Insurance | Private Health Insurance
Health Insurance / Private Medical Insurance also referred to as PHI or PMI. Private Medical Insurance is an Insurance Policy that aims to pay the costs associated with the private treatment of acute medical conditions.
What are the benefits of buying PMI?
- Allows you to avoid waiting for treatment, i.e. skip long NHS waiting lists
- Enables you to receive private treatment
- You can often have a choice of hospital
- You can choose a time for treatment to suit yourself, your family and/or your employer
- Receive treatment in private hospital room, reducing the chance of contracting hospital superbugs like MRSA.
- Choice of consultant who will provide the private medical treatment
Which Private Medical Insurance is Right for Me?
Here are the three main types of Private Medical Insurance:
- Budget : Provides cover for your basic in-patient and day-patient treatment, in other words you stay in hospital over night or for a full day. Hospital charges, specialist/consultant fees and diagnostic tests are usually included so long as it is for in-patient or day-patient treatment.
- Intermediate : Covers all in-patient and day-patient treatment like the budget policies. Intermediate policies also include a limited amount of out-patient cover, where you don't occupy a hospital bed or stay overnight. Hospital charges, specialist/consultant fees and diagnostic tests are usually included although out-patient treatment is limited. You are also likely to have some physiotherapy treatments in this policy.
- Comprehensive : Covers everything that the lower polices do but has no limit to out-patient cover. Many comprehensive policies also cover additional benefits such as alternative therapies (e.g. acupuncture, aromatherapy etc).
Top Quote UK is one of the Internet's leading brokers for Private Health Insurance and Private Medical Insurance, allowing you to compare Health Insurance Policies from the UK's leading providers. You can get an Health Insurance Quote | Medical Insurance Quote Online or speak to one of our qualified advisors by calling us free on 0808 1782777 for a PHI Quote | PMI Quote.
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