Private medical insurance (PMI) pays for you to have private hospital treatment. You can choose what type of treatment you want covered – just in-patient or day-patient treatment, or out-patient consultations and tests as well.
It is possible to tailor cover to meet both your needs and your budget. For example, some policies offer a choice of hospital scales, as treatment costs can vary widely, with central London hospitals usually the most expensive.
PMI only pays for treatment of acute conditions (broadly, conditions that come on suddenly and can be cured and should not then recur). It does not cover chronic conditions such as asthma or diabetes.
Before being accepted for cover, you may have to answer a number of questions, and pre-existing conditions may be excluded. We can advise you of what these choices mean in practice.Last Updated
Knowledge Bank >
Financial protection >
The right health insurance policies for you
