Quick Guide to buying UK Private Medical Insurance (PMI)

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Quick Guide to buying UK Private Medical Insurance (PMI)

In the UK private medical insurance (PMI) is sometimes referred to as health insurance, it can also be confused with other types of insurance such as income protection insurance. Private medical insurance is designed to cover the costs of private medical treatment, for what are known as acute conditions'.

Acute conditions, according to the Association of British Insurers (ABI) guide go private medical insurance is defined as a disease, illness or injury that is likely to respond quickly to treatment and aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or leads you to a full recovery.

How does private medical insurance work?

Before you can receive private treatment you have to be referred by your general practitioner (GP), your GP will refer you to an appropriate specialist for the disease, illness or injury you have. You should check with your private medical insurance policy to ensure you are covered for the treatment you require, as some policies may not cover you. Private medical insurance does not cover accident and emergency treatment, these are covered by the National Health Service (NHS) and are not available at private hospitals.

Why do people buy private medical insurance?

People that buy private medical insurance generally do so to, ensure they can get treatment that might not be available on the NHS if they fall ill or get injured. Policies are also bought by people that want a choice about where they are treated and also to have private facilities that may not be available in an NHS hospital, such as a television or choice of meals.

How do you buy private medical insurance?

By far the easiest way to buy private medical insurance is to seek the help of an independent financial adviser (IFA), an IFA will have access to the entire products on the market and will understand which of these products will suit your particular needs.

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