What is a Private Medical Insurance?

Private Medical Insurance (PMI) provides private treatment should you fall ill.  PMI allows you to speed up the treatment of many medical conditions, including surgery and medical tests.

What you are covered for depends on your provider, though typically this includes:

  • inpatient treatment
  • outpatient treatment- for example to see a consultant
  • hospital accomodation and nursing care
  • exclusive approved drugs which are not available on the NHS
  • complementary and alternative health therapy

Long-term treatment, pregnancy and accident and emergency tend to be excluded from PMI.

Premiums tend to increase with age, but restricting the type of cover or agreeing to pay an excess can keep costs affordable.