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With a PMI policy in-place you'll have priority access to expert private medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the NHS does an amazing job, queues are inevitable for all but the most acute medical emergencies, and PMI policies are often taken to avoid those queues in the future.
Private health insurance plans are typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from private medical insurance depends upon the policy that you buy. Basic cover will usually pick-up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants)
A PMI policy, like all insurance policies, is your protection against the future and not the present. There's no better time to take PMI than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock-in your good health.
In the UK, private healthcare is not subject to the same lengthy regulatory procedures as its public sector counterpart; so you may be able to obtain brand-new drugs, rehabilitation techniques and advanced therapeutic methods, before they become available to NHS patients. Some specialist drugs and treatments are considered too expensive for the NHS or may not have approval by NICE (England & Wales) or the SMC (Scotland).
You should consider limiting the list of private hospitals that you're willing to use. Savings of up to 25% can be made by specifying which healthcare providers you want access to. Otherwise you could be paying to access a national list of providers that you're unlikely to ever use. Also, consider increasing the excess on your policy. Cheapest doesn't necessarily mean best, though there are UK Plans from £21* per month. By talking to an expert you can have a policy tailored to your specific circumstances and needs.
A professional health insurance expert was able to explain my options and gave me great advice. I'm happy with the HealthWindow service and would definitely recommend it.
Great service! HeathWindow has just saved me precious time and money and I've got the perfect health plan for me and my family.
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We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an FCA authorised financial agent who works with a limited number of providers. We are happy to introduce you to an alternative agent upon request. Furthermore, we take care to make sure that the information and material appearing on this website is accurate and up-to-date. However, errors and omissions may occur and you should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. Some products are only available from selected providers and intermediaries. Healthwindow is not an insurance company but provides you with a free service that matches you to an FCA authorised financial agent who will help you compare UK providers and provide you with a FREE no-obligation quote.
* This is the cost of the cover of £21 per month, approximately £5 per week or 70p per day. This is based on someone living in Central London, who is 33 years of age at commencement and taking out a Treatment Cover plan with a nil excess. Includes cancer cover, dental & optical cover. Treatment Cover with £50,000 Limit per policy year. Offered in WPA’s current promotion - other exclusions apply and other plans are available. Analysis based on May 2020.