Private medical insurance (PMI) information

Private medical insurance can help you receive medical treatment quicker and stay in health. We offer a special policy which does not apply any age-related increases. This policy is guaranteed for life and you can cover your family . Read below why we think that PMI is a must and why the earlier you take out private medical insurance to cover your health the better.

Private medical insurance quotes

History of PMI

Private medical insurance in the pas was recommended by UK Governments especially those over 60 who were rewarded with tax breaks. It was their belief that the this could help with the treatment that our ever aging population was going to require thus releasing resources for those people who could not afford cover. These benefits were removed but for many people this is still a sensible option.

Private medical insurance is definitely a sensible option if you are self employed. You must regard your health as an asset as if you become ill you may not be able to receive treatment quickly. As you need to be fit to work the faster access to treatment is a major benefit of any private medical insurance policy.

Current position

The private medical insurance tax breaks were removed - thereby causing many senior citizens to be unable to afford the cover and cancelling their policies with the result that in the UK the NHS has to cope with far more old people than before! As more and more people come to rely on the NHS it seem ludicrous to expect the working population to be able to contribute sufficient to its workings.

There is still the problem that the NHS may be in a position whereby treatment for the elderly is even more strictly rationed and unless cover is obtained we will see more stories about elderly people dying before treatment is found. The worry people have is that by the time they really need the cover they will not be able to afford it! This is where our policy comes in. The earlier you take out the policy the cheaper it will be in your old age!

A Caveat

Most private medical insurance policies have an exclusion about pre-existing conditions and will either not cover them for a specific claim free period or will underwrite them and impose terms which may be worse than your current policy which will cover them! We do not therefore advise switching policies when previous claims have occurred unless you are confident that they will not reoccur.

Our private medical insurance quote page with full policy details and rates

If you want to go to our home page Click Here. We offer a full range of other policies - car, house, travel and holiday, mortgage and income protection

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