Please find some frequently asked questions about health insurance also known as Private Medical Insurance:
What is health insurance?
Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place of your convenience.
Health Insurance also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer.
What conditions does health insurance cover?
Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery.
It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan.
Here at Optimum Financial we provide helpful advice about health insurance and many other types of insurance cover.
If you would like to chat about health insurance or any other type of insurance cover for you and your family or staff please feel free to contact us: