Why the need for PMI?

As our lifestyles and our expectations change, more and more of us are turning to private healthcare. The National Health Service (NHS) does a very good job under difficult conditions in looking after the nation's health. Although well reported concerns around MRSA, general hygiene and waiting lists are causing many people to have concerns. This has led to more and more individuals, families and companies opting to take out Private Medical Insurance either privately or through their employer.

What is PMI?

Private medical insurance is designed to cover the costs of private medical treatment for curable short-term illness or injury (commonly known as acute conditions). Most people buy this type of insurance to gain the reassurance of knowing that treatment is available promptly, if they become ill or are injured. As a private patient you can often choose when treatment will take place, the specialist who treats you and the hospital. You will usually have the privacy of an en-suite room, complete with TV and other home comforts. Some illnesses and treatments will not be covered by a private medical insurance policy and these are common to most schemes. It is also important to remember that this insurance is not designed to replace all the services offered by the NHS. Some, such as accident and emergency, are beyond the scope of most private hospitals.

The Benefits of PMI -Individuals and Families

Having Private Medical Insurance can give you the following benefits:

• Peace of mind for you and your family
• No waiting lists, treatment when it suits you
• Choice of hospitals with your own room
• Consultants/specialists of your choice
• High quality nursing care

The Benefits of PMI - Company Schemes

If managers of businesses could find a way of reducing staff sickness and improve staff loyalty, this would surely be embraced. Research with small to medium sized companies has found the following benefits of having PMI for staff:

• The speed of treatment means your employees can return to work more quickly
• Reduces stress at work and gives peace of mind to employees and employers
• Helps attract and retain quality staff
• Employees have more choice in their treatment; specialists, surgeons and hospitals

The need for Independent Advice on PMI

The Private Medical Insurance Plans available have evolved a great deal over recent years and now plans can be found for all budgets. Plans can now be constructed with tailored benefits with additional perks available such as reduced gym membership, no claims bonus and age at entry.

We specialise in arranging plans for individuals and their families. We also look at existing plans you may have in place already and look to improve benefits and/or reduce costs in this ever more competitive market place.

We act as Independent Advisers with no ties to any provider. We therefore are able to source the most competitive scheme to meet your requirements, and there is no fee payable for our services.

For more information or your free personalised quotation please contact us