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How does private medical insurance work?: Private Medical Insurance is exactly like car insurance or home insurance. It is only there in case you need it. Once you have chosen your policy, you will pay your premiums on a yearly, quarterly or monthly basis, whichever suits you best.
What Happens If I Have a Medical Emergency?: Medical emergencies are not covered by private medical insurance - if you suffer an accident or are taken ill and rushed to hospital – you will receive normal NHS treatment.
I Have a Pre-existing Medical Condition - How Does This Affect My Insurance?: Private medical insurance does not normally cover a pre-existing medical condition.
Will My Premiums Increase As I Get Older?: Your private medical insurance premiums will increase with age because you are more likely to make a claim for medical treatment.
What Happens If I Want To Move To Another Insurer?: If you have a current private medical insurance plan but wish to change to another insurer then it is possible to ensure that you receive a plan on "no worse terms.” This is known in the trade as a CPME plan.

What Exactly Is Private Medical Insurance (PMI)?

Private Medical Insurance (or Private Health Insurance as it is sometimes known) insures you against the costs of private medical treatment for curable short-term or 'acute' medical conditions.

Your treatment could include surgery, specialist consultants, accommodation and care at a private hospital (or in a private ward of an NHS hospital) - and depending on the level of cover you choose, you can make a claim on your insurance and receive the treatment for free.

As with a car insurance policy, you will sign up for a year with a PMI company and pay your premiums either monthly, quarterly or annually. It is your choice whether to renew with your insurer each year or not. They will issue you with a renewal and details of your new premiums at renewal time.

However, before each renewal date our Health Insurance Partner, Insurancewide' Brokers, conduct a full market review for every client to ensure you're still getting the best value for money. Then advice is provided regarding you're renewal options. Its all part of our service.