NHS waiting lists are one of the most contentious political issues in the UK, with many people always on a waiting list. Not surprisingly, a lot of people opt instead to buy a private medical insurance policy, or receive cover under a scheme operated by their employer. 

The benefits of private medical insurance

The benefits of PMI can be summarised as:

• No NHS waiting lists.
• Treatment will usually be provided in a private hospital.
• The patient can choose the date of treatment.
• Choice of consultant to provide treatment.

Buying a PMI policy

When applying for a PMI arrangement, you must be careful to disclose all relevant information to the insurer. Pre-existing conditions will be excluded for a period of time, and your general practitioner may be contacted to confirm your state of health. You may even be asked if paramedics can visit you to check your general state of health. 

Are we independent' brokers?  See the list of providers below; The logos below are a sample of some of the companies available.  

Some insurers offer three or four bands of cover, where band A may be equivalent to luxury hotel accommodation, whereas band D provides paybeds in a hospital ward. Other providers use postcodes to assess the cost, and to state which hospitals can be used.

With such a choice of products and services, you need to speak to a professional.

For more information, please contact our consultants here.