About Your Policy

About You


“After a bad experience with the NHS I looked into private health insurance. Just in the past year it’s proven to me that it’s worth every penny” – Gary, Wakefield
“A friend recommended I get private medical insurance after they were treated at our local private clinic. As much as I appreciate the NHS, the service now I’ve signed up is above and beyond anything I’ve experienced before” – Justine, Brighton
“My family are obviously my number one priority. Now I knowing I can get the best care should anything happen. You can’t put a price on health!” – Sam, Ayrshire

The Benefits of Private Medical Insurance

• You can be referred by your GP to a specialist consultant working privately, either for specialist treatment or for a second opinion.
• Often, scans may be rejected by the NHS. If you feel you want or need specific scans, you can pay for this using your private medical insurance uk cover.
• Waiting times can be quite long for the NHS; depending on the type of cover you hold, often you can use your cover to reduce your wait time if it is initially longer than 6 weeks.
• On the NHS, you do not usually have a choice of hospital or surgeon. Your private health insurance uk cover allows you to specify where you’d like to be treated, and by who if you wish.
• Private rooms can be more beneficial to your recovery, and are usually available in all private hospitals.
• There are a number of perfectly safe drugs that haven’t yet been approved by the National Institute for Health Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium (SMC), and so cannot be used on the NHS. PMI will give you access to these specialist drugs and treatments.
• Physiotherapy sessions can be more easily accessed than on the NHS.

Securing the Best Private Medical Insurance UK Cover

There are a number of things to remember to get the best available cover at the most suitable price for you.
• Shop around – Shopping around will allow you to get comparative quotes from the whole market. Embrace Health Today shops around the best private health insurance uk providers for you
• Policy Details – Just as you would when buying car, home or travel insurance, it’s essential that you thoroughly check the private health insurance policy details. This will outline exactly what you are covered for.
• Disclose Health Circumstances – It’s important to be open and honest about your current medical situation, disclosing any prior health concerns. This is called ‘disclosing all material facts’; failing to do so could result in your private medical insurance being void and the provider not paying out; this may be after you’ve received treatment, resulting in a bill from the medical provider.
• Alert of any Changes – Always alert your private health insurer to any changes to your circumstances, in order to keep your records up to date and your medical cover valid.

Choosing Private Medical Care

There are a number of ways to secure private medical cover, but first you need to decide why you might need to seek treatment privately, rather than on the NHS.
Many treatments are either not available on the NHS, or are only available in certain circumstances.
Cosmetic surgery, for example is not always available via the NHS, and is a key factor in people opting to go private (though this isn’t often included within insurance policies and must be paid for outright).
Other reasons you may choose private medical care (and thus should opt for the best private health insurance uk has to offer) is due to the lengthy NHS waiting times, the ability to pick a consultant of your choice on a date suitable for you, or if you simply want a second opinion on a medical matter.

The Cost of the best Private Medical Care

Once you’ve decided that you want to go private, the best way is to ensure you’ve got the best private health insurance; you can opt for private medical treatments without insurance, though you will pay a premium for this.
You can be referred to a private medical centre for treatment by your GP following a consultation, or you can find a private hospital or medical centre yourself and enquire about costs; without private medical insurance this can be much more expensive – often between £120 and £200 for a simple consultation, before any treatment is undertaken.
Of course, because of the costs involved in private medical treatment, it’s important to ensure that you have the ability to pay for it before either choosing to pay outright for a specific medical treatment, or begin to pay monthly medical insurance premiums.
As you get older, you will be deemed more prone to illness and therefore more likely to need medical care – this will lead to an increase in your monthly premiums.

How you’ll be Charged

If you don’t have private health insurance uk, but choose to get treated privately, make sure that your practitioner is very clear about what you will be charged for; by having these costs outlined in writing before treatment, there should be no nasty shocks post-hospital stay.
Charges will be outlined separately by the different practitioners you see, including the surgeon, the anaesthetist and the hospital (things like accommodation, meals, nurses, drugs, blood tests etc.)
You will have to make sure that any unexpected costs can be paid for, including the possibility that complications could lead to a longer stay in hospital than expected.
With the best private health insurance uk, it’s likely that your treatment will be covered by your initial payments – though it’s always wise to check as not everything is covered under PMI.

What’s Not Covered?

Pre-existing medical conditions are not covered under the vast majority of private health insurance plans; if you do find a private medical insurance provider that covers a pre-existing condition, it’s likely your premiums will be very high should you want that particularly condition covering.
Other NHS services, such as A&E departments and antenatal care for normal pregnancies are also not likely to be covered; long-term illnesses that cannot be cured will not be covered.
Most health insurance policies won’t cover the cost of treating children, however the NHS fast-tracks children’s treatments.