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How does Private Medical Insurance work?

So, what is Private Medical Insurance (PMI)?

While insuring your home or your holiday can be a ‘no-brainer’, insuring your health is often not as straightforward. People aren’t necessarily sure why health insurance can be a good idea.

Health insurance, commonly known as private medical insurance, is designed to help take away some of the worry about NHS waiting times or forking out large sums for a wide range of medical treatment if you need it in the future. 

PMI can be used to pay all or part of bills associated with private treatment where this is covered under the insurer’s terms and conditions. You don’t have to take out private medical insurance, however, if you have cover in place and later find that you want to get treatment quickly, having peace of mind that cover is there for you can be vital[1].

What does PMI cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy. Some PMI policies pay for out-patient diagnostic tests, and some pay for treatments which can include physiotherapy and chiropractic treatment, plus visits to specialists and consultants. PMI usually picks up the costs of a range of in-patient treatments (such as surgery and follow-ups).

Health insurance can include cover for a range of treatment you get as:

  • An in-patient: This involves staying in a hospital bed for tests or treatment, including overnight.
  • An out-patient: This may involve consultations, diagnosis and treatment when you do not need a bed for the day or overnight.
  • A day-patient: This typically involves a minor procedure, often with the use of a bed but not staying overnight.

What isn’t covered?

Private medical insurance unfortunately can’t cover everything and won’t usually cover private treatment for the following:

  • Chronic conditions (long-term, incurable)
  • Pre-existing medical conditions
  • Organ transplants
  • Injuries relating to dangerous hobbies / sports / activities
  • Normal pregnancy and childbirth costs
  • Cosmetic surgery to improve your appearance

There may be many other medical conditions and treatments that are not covered by your policy so you should always read the policy documents or ask your insurer or broker for full details.

What can National Friendly offer you?

Here at National Friendly we offer two private medical insurance policies that between them cover prompt access to a GP or consultant for diagnosis, some out-patient treatments and a range of private in-patient and day-patient treatment and operations. We want to assist you in tackling your concerns and getting back on the road to recovery.

Our policies can work separately or alongside each other and can take the worry and uncertainty out of healthcare.

Further details of the Out-Patient and In/Day-Patient Plan can be found at our website. You can also give our friendly team a call on 0333 014 6244 - 8am-6pm Monday to Friday excluding bank holidays.

[1] https://www.moneyadviceservice.org.uk/en/articles/do-you-need-private-medical-insurance

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