Private Medical Insurance • Save Money Today
By Heather Blackmore | Last updated 04/02/2021
Private medical insurance (PMI) is typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from PMI depends upon the policy that you buy. Learn more here about treatments and plans for private health insurance. 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).
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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.
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.
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To give you an indication of the treatments private health insurance is used for, the greatest number of claims Bupa received in 2017 were as follows:
1. Musculoskeletal problems (eg, back or neck pain)
2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)
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*12.77% of our customers can obtain cover at a cost of £14.64 per month (£3.38 per week). This is based on someone living outside of Central London, who is 31 years of age at commencement, and taking out an "Essentials" plan with a nil excess and WPA’s current promotion. The plan covers all eligible in and day-patient treatment. Diagnosis of ailments would need to be arranged by the NHS or self-funded. Other exclusions apply and other plans are available. Analysis based on customer data for 2018.