Home 
Frequently Asked Questions Medical Insurance What is Private Medical Insurance ?
Frequently Asked Questions Medical Insurance What is Private Medical Insurance ? | What is Private Medical Insurance ? |
|
|
| Frequently Asked Questions - Medical Insurance | |
|
Private Medical Insurance (PMI) is designed to allow you to receive treatment privately, and avoid delays through the NHS in securing treatment for a medical condition. It should also empower the policy-holder to be able to chose where and when they receive treatment and some say in who provides the treatment. Private Medical Insurance (PMI) provides cover for acute, curable medical conditions. Subject to having the right policy, PMI allows you to choose how you receive your treatment. You can decide when to have your treatment (e.g. to fit in with work or school schedules), which hospital to use, and who you want to treat you (your choice of consultants etc). Medical Insurance plans do not guarantee to pay all the bills for your treatment, they simply guarantee to pay up to the limits of cover available to you as specified in your policy documents, once your claim has been accepted and approved by the insurance company. If claims are not approved, or a claimant exceeds their cover levels, it is always the claimant’s responsibility to cover any expenses not covered by the insurance company. It should be noted that the NHS would treat accident and emergency cases, as there are virtually no accident and emergency facilities available within the private sector. In general, most medical plans do not cover the following: Normal pregnancy, drug abuse, infertility, GP fees, any medical prescriptions, normal dentistry, alcohol abuse, self inflicted injuries, AIDS, chronic long term illness, cosmetic surgery and regular renal dialysis. All plans also exclude pre existing conditions either permanently, or for a given period of time. |
|
Bookmark This Site?
RSS Syndication:
