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The National Health Service (NHS) provides treatment for UK residents, offering various services, some free and others requiring payment. While the NHS caters to most healthcare needs, some individuals opt for private medical insurance (PMI) to access additional benefits and services. This guide aims to assist individuals in understanding the key considerations before purchasing PMI.

Reasons for Taking Out Insurance

Private Medical Insurance (PMI) or Private Health Insurance serves to cover expenses related to private medical care and treatment for short-term, curable conditions. The purpose is to avoid paying for treatment out-of-pocket and to have access to expedited care when needed.
It is crucial that the PMI cover you buy ensures the following when you need treatment:
  • That you have insurance cover for the conditions for which you may require treatment
  • That you have, in conjunction with your GP, free choice of Consultant with the right to top-up fees if they exceed the insurance reimbursement.
  • That you have the option of choosing the hospital where you receive treatment and if necessary are able to top-up the charges if you require to use a hospital that charges more than your insurance cover.

What Questions Should You Ask?

Before purchasing PMI, it's essential to ask your adviser and yourself pertinent questions to make an informed decision. Here are some crucial inquiries to consider:
  1. What Benefits Are Included? Understand the coverage provided, including consultation fees, in-patient care, imaging, laboratory tests, second opinions, and more.
  2. What Are the Different Types of Health Insurance? Learn about the types of cover available, such as moratorium underwriting, full medical underwriting, and switch underwriting.
  3. Does the Policy Have Any Exclusions? Understand what conditions or treatments are not covered by the policy, including chronic conditions and emergency care.
  4. What Will the PMI Cover/Not Cover? Clarify what types of conditions and treatments the policy includes, such as acute conditions, elective surgery, and chronic conditions.
  5. Does the Insurance Policy Cover Care in Any Hospital, and if You Are Abroad? Determine if the policy covers treatment in all private medical facilities in the UK and abroad, considering travel implications.
  6. What Are the Plan’s Restrictions on Cover for Pre-existing Conditions? Understand if pre-existing conditions are covered and any waiting periods or exclusions associated with them.
  7. Does the Plan Exclude Specific Conditions or Illnesses? Inquire about specific conditions or illnesses excluded from coverage.
  8. Will I Have the Freedom to Choose the Doctor I Wish to See? Ensure flexibility in choosing consultants and hospitals, without unnecessary restrictions.
  9. Regulation, Revalidation, and Practising Privileges Understand how doctors' practices are regulated and if your preferred consultants are recognized by the insurer.
  10. Where Can I Find More Information About Doctors or Hospitals? Explore resources like the Private Health Information Network (PHIN) for additional information.
  11. Will I Be Given the Choice to Top Up Payments from My Insurance Policy? Understand the flexibility to top up payments for preferred treatments or consultants.
  12. How Is the Policy Premium Determined? Consider factors like age, medical history, lifestyle, and postcode that influence premium rates.
  13. What is the Maximum Number of Claims You Can Make in a Year? Inquire about claim limits and any cost limits for consultations and investigations.
  14. How Much Will I Have to Pay for the Insurance Cover? Understand the premium costs and if any discounts are available for family members insured together.
  15. How Does the Insurance Company Handle Disputes Over Claims? Learn about the company's procedures for appealing denied claims and the average turnaround time for resolving disputes.
  16. What Are PMI Managed Care Initiatives or Clinical Care Pathways? Understand the impact of managed care initiatives on treatment decisions and patient choice.
  17. Can I Make a Claim Within the First Few Weeks of Taking Out My Policy? Clarify any waiting periods or limitations on making claims after policy initiation.
  18. What is the Key Thing to Consider if I Am Switching PMI Provider? Ensure continuity of coverage and understand any implications for pre-existing conditions when switching providers.
  19. Is There an Alternative to PMI Providers? Explore self-funding options and understand the potential cost savings compared to PMI.
  20. How Do I Complain About My PMI Provider? Know the process for lodging complaints and escalating issues, including involvement of regulatory bodies like the Financial Ombudsman Service.
  21. No Claims Discount (NCD) Understand how claims impact premium rates and if NCD schemes are available.
  22. Other Questions You Might Want to Consider Inquire about policy limits, waiting periods, payment options, premium caps, and the scope for reducing premiums.
For a comprehensive understanding of PMI and informed decision-making, it's crucial to explore these questions and seek clarification from your adviser.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.

Important Fact!

Why increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our award-winning FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.


Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly expert partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!