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Private Medical Insurance

Private medical insurance covers the costs of private medical treatment if you fall ill. Private healthcare is paid by the patient via monthly premiums rather than by the UK government. 

Compared to the NHS, referrals and treatments are often speedier and hospitals come with home amenities including private, en-suite rooms that make your experience more comfortable. 

With such a broad range of providers, it can be easy to get lost in the number of choice available to you. Here at Seven Birdges Life, we navigate you through the options and find a policy that works for you. 

What is PMI?

PMI covers some or all the costs of private medical treatment for certain conditions. These will be stated in the terms and conditions of the policy.

It may also include dental care or a cash plan service. This means you will be able to claim day-to-day health costs such as prescriptions or check-ups and will eliminate the NHS waiting lists.

Why should I get private medical insurance? 

Most people use private healthcare alongside NHS services. The benefits of being covered for private healthcare include prompter treatment, reduced waiting times and access to drugs that may not be available on the NHS, such as certain cancer medications. 

Those with private medical insurance will find that they get quick referrals and speedy admissions to private hospital. You will also benefit from greater flexibility of when you receive your treatment, choosing a time that suits you. 

In addition, private patients can enjoy higher quality accommodation with private rooms, home amenities and enhanced comfort compared to NHS medical facilities. 

What does private medical insurance usually cover? 

For the most part, PMI covers ‘acute’ conditions. These are diseases, illnesses and injuries that can be treated immediately and bring you back to your previous state of health following the treatment. 

‘Chronic’ conditions on the other hand require long-term treatments and are unlikely to go away. As these conditions can continue indefinitely, most providers will not cover such illnesses. 

Most private medical insurance policies will cover the cost of admission to a private hospital, tests like MRI and CT scans. 

You can also expect to have surgery, consultations, nursing care, accommodation. It can also include certain medications that are not available on the NHS covered.

More comprehensive plans may include mental health treatments, therapies and physiotherapy.  

Our advice 

We guide you through the complexities of PMI, helping you find the best policy for your needs at a price that suits your budget.

Private Medical Insurance covers some or all the costs of private medical treatment for certain conditions which will be stated in the terms and conditions of the policy.

It is always advisable to place life insurance policies under trust, therefore the cash lump sum provided after death is payable outside the estate, please contact us for more informat

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