Here to protect you and your business

Here to Protect You and Your Business

Private Health Insurance2018-10-29T13:22:20+00:00

Private Health Insurance

Private Medical Insurance or Private Health Insurance as it is also known, covers the cost of private medical treatment for ‘acute’ medical conditions, diseases, injuries or illnesses.

How Does It Work?

We all know that illness and injury do happen from time to time, so if the worst was to happen, would you be happy to wait for NHS treatment? With PMI (or PHI.) you can get looked at and treated quicker. You pay a monthly premium to the insurer and it pays for your essential hospital care, treatments and surgery.

What Plan to Choose?

There are lots of different plans to choose from, basic policies cover essential treatments but you can add covers including, Out-Patient care, Dental Care, Worldwide Cover, Psychiatric Care, Specialist Therapies and complementary medicines such as acupuncture or chiropody.

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Premiums on medical insurance policies tend to get higher the older you are.
Many policies charge an excess – the portion of any claim you must pay yourself. If you want a fully comprehensive cover, but want to keep costs down, one option is to choose a medical insurance policy which offers a wider range of benefits but which enables you to select a higher excess. Typical annual excess is £0, £100, £250, £500 etc.

We offer a range of insurers for this type of cover including: Vitality Health, Aviva Health, Axa Heathcare, The Exeter, Freedom Health.
Peace of mind comes from knowing you and, if required and affordable, your immediate family members are covered and protected by the best health care insurance policy for you. We can talk you through some options to see if it’s for you.