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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. By talking to an expert you can have a policy tailored to your specific circumstances and needs.
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* Price Match Guarantee (Find a better price and we will match it): • The Price Match Guarantee can be withdrawn at any time without prior notice; • We reserve the right to withhold and/or refuse payment where we suspect that any false or fraudulent claim is being made; • The price match can only be used on a like for like product and the policy details must be exact and excluding any commission sacrifice; • The price match is only available against products in our portfolio; • We will require proof of the product price in the form of competitor's written quotation or the advertisement by the competitor. We may call the competitor to verify the lower price; • All offers by competitors must be available upon date of purchase; • This may not be used in conjunction with any other offer; • This offer is only applicable to the first year premium; • This Guarantee is only valid for 30 days following the policy enrolment date; • This Guarantee only covers payments made by the policy holder.
** 13.34% of our customers can obtain cover at a cost of £10.16 per month. This is based on someone living outside of Central London, who is 29 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 2017.