Private Medical

FOR INFORMATION ONLY. WHILST WE DO NOT ADVISE ON THIS AREA, WE CAN REFER ENQUIRIES TO TRUSTED THIRD PARTIES.

You often realise how valuable health insurance is only when you need to make a claim. With NHS waiting lists a concern for many people, private medical insurance can be an appealing option, though it is often expensive.

You get what you pay for. Premiums are based on factors such as your age and the type of cover you choose, and there is a wide range of policies available.

• Basic cover: PMI pays for specialist treatment or hospital stays. Some policies pay out if the NHS cannot treat you within a set period.
• Comprehensive cover: some policies also cover services such as dentistry and eye care, including glasses. The more a policy covers, the higher the premium.

PMI can be complicated if you haven’t bought it before. To make sure a policy meets your needs, it’s worth speaking to a specialist adviser who can explain the different options on the market.