Private Medical Insurance

This type of policy is often arranged as a company benefit for you and your employees. It is there to cover the costs of private healthcare including diagnosis and any necessary treatment and support, to aid your recovery.

What is Private Medical Insurance?

• Private Healthcare is medical treatment that is paid for, essentially giving an alternative to being treated by the NHS. As going down this route can be costly, many people take out Private Medical Insurance which is there to cover some (potentially all) of the costs if you require diagnosis and treatment for an illness. By opting for this cover, you pay a monthly premium, along with a chosen excess in a claim with the insurer contributing to the remainder of the costs.

What are the benefits of taking out Private Medical Insurance?

• Often, you may find that a diagnosis is made sooner, as the wait times are normally significantly less than that of the NHS.
• You may have more flexibility in terms of choosing your Hospital, Consultant, and an appointment time to suit you.

What are the different options that can be included within my policy?

• In & Out-patient cover
• A choice of hospitals to be treated at
• Therapies Cover – covering areas including acupuncture and homeopathy
• Mental Health Cover
• Optical, Dental and Hearing insurance
• Worldwide Travel insurance

What else do I need to know?

• The policy can be taken out Individually, Jointly or by a Business, for its’ employees.
• Your chosen excess will ultimately impact on the monthly or annual premium