What is Private Medical Insurance?
Private Medical Insurance (or PMI for short) is an insurance policy that can help with the costs of private healthcare, including diagnosis and medical treatment.
By paying a monthly premium, if you develop an acute health condition that begins after your policy has started, private medical insurance could cover some, or even all, of the costs associated with it’s treatment.
Private Medical Insurance could mean you can get access to medical services or treatment quicker, with the level of cover you could receive being dependent on your selected policy options.
Also, due to there being more competition in the market, the cost of Private Medical Insuance is likely less than
you’re expecting, making it more affordable and accessible than ever before.
What are the Key Features of Private Medical Insurance?
When it comes to Private Medical Insurance, unlike the majority of other protection insurances we advise on, we do not undertake ‘whole of market’ research. Instead, we use a select panel of Insurers that we consider offer good value cover, whether you are a business or a private individual.
Aviva’s ‘Speedier Diagnostics’ policy
This insurance is designed to provide cover to enable a specialist to make an initial diagnosis of an illness or injury.
The Core Key Features of this product are:
Aviva’s ‘Healthier Solutions’ policy
This insurance is designed to provide cover to obtain treatment for an acute condition such as a disease, illness or injury, that is likely to respond quickly to treatment.
The Core Key Features of this product are:
Hospital options
where you are covered for treatment. You must choose one of these
options – this will affect your premium
‘Heathier Solutions’ plan options
Everybody has different ‘needs and wants’. So, with Aviva’s ‘Healthier Solutions’ policy, in addition to the plans key features, you can opt to either increase or decrease your cover.
Increase your cover (increasing your premiums)
Decrease your cover (reducing your premiums)
For private medical insurance, the only Insurers we will consider are Aviva and Exeter Friendly Society.
This means that, whilst we will still provide you with a personal recommendation, our recommendation will not represent a fair analysis of the market, as we will only approach Aviva and/or Exeter Friendly Society for a quotation.
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