Private Medical Insurance Coverage

Private Medical Insurance Coverage

Basic Coverage

For those seeking a basic coverage, PMI companies offer plans that cover items such as in-patient treatments, day-patient treatments, associated specialists charges, and CT, MRI and PET scans. The exact plan might vary by company, but most are similar in coverage terms for a basic plan.

Comprehensive Coverage

For a higher premium, you can elect a comprehensive coverage package. This style of insurance includes coverage for diagnostic tests, out-patient consultations, complementary practitioners and clinical practitioner charges in addition to everything covered in a basic plan.

Six Plans

Some health insurance plans offer a discounted premium by opting for a six option. This option states you are willing and required to use NHS for a treatment if it can be performed within six weeks of the date it is determined to be needed. If the treatment cannot be performed during this time, your PMI plan will cover the cost. Typically a NHS extension is available on both basic and comprehensive plans.

Childrens Plans

If you want to cover only your children on a private medical insurance plan, coverage is inexpensive, especially for subsequent children, and can guarantee your child treatment within six weeks by NHS or through the plan.

Other PMI Plans

There is a wide range of other related insurance plans available that target specific areas of concern. Examples of other plans include: dental products, cash plans, accident coverage, elderly accident coverage, self employment insurance, and expatriate medical insurance.

Discounts

PMI companies recognize that a good many of their insured parties hardly need to use their coverage. To make holding coverage more enticing, companies offer no-claims discounts to customers. You might start with a 40% discount for not making any claims against your policy. The longer you dont need to make a claim, the more your discount rises. Should you make a claim, the discounted portion will decrease. Your discount can decrease until it no longer exists if you make many claims.