Private medical insurance

Your health is your most important asset. When it comes to medical insurance, we understand that securing quality cover which matches your medical needs is just as important as getting a great price. With access to the very best providers in the private medical insurance market we will take all of your needs into account when finding you a policy.

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With NHS waiting lists getting longer, budgets facing further cuts and more uncertainty than ever, there has never been a better time to put in place private medical insurance. Policies are designed to ensure that should you require medical treatment, you can take advantage of private treatment without worrying about the cost. Private medical care boasts short waiting times, specialist referrals and outstanding care, which can be expensive.

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What is Private Medical Insurance?

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Private medical insurance (PMI) covers the cost of medical treatment provided by a private practitioner. This could be a simple check up, or for acute conditions which are likely to respond quickly to treatment – back pain and digestive system conditions are the most claimed-for issues.

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Once you are covered, you typically have a choice of private hospitals or private facilities within NHS hospitals from an agreed list provided by your insurer. Most rooms offer a private en-suite, TV and a choice of meals.

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There are lots of different plans to choose from and while basic policies cover essential treatments, more comprehensive policies may include specialist therapies and medicines such as acupuncture or chiropody. Most comprehensive policies should expect:

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Inpatient treatments:

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• Hospital accommodation

• Hospital charges, including nursing, meals, drugs and dressings

• Specialist treatment

• Tests including X-rays, CT and MRI scans

• Radiotherapy

• Chemotherapy

• Psychiatric treatment

 

Outpatient treatments:

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• Specialist consultations

• Home nursing care

• Private ambulance transport

• Complementary medicine

• Minor surgery

• Diagnostic tests including X-rays, CT and MRI scans

• Hospice care

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However, no two plans are the same and great care should be taken when choosing which is right for you. Your designated Your Choice Cover specialist will work with you to decide which policy is best.

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Why Do I Need Private Medical Insurance?

If you are feeling unwell, having health insurance in place means you’re able to promptly book an appointment with a private doctor. This means you aren’t faced with the prospect of having to wait days, or weeks, for an appointment with the NHS. When you are worried about your health, you don’t want to be waiting for a diagnosis or treatment. If you require further care, routine or from a specialist, an appointment will be available quickly, at a time and place convenient to you.

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In addition to being seen and treated faster, private clinics also boast fantastic facilities with a top medical and support team. Some insurers and policies will even allow you to pick your consultant, as well as the clinic or hospital.

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• Short waiting times

• Top providers

• Excellent care

• State-of-the-art facilities