Private Medical Insurance
What does Private Medical Insurance do?
Private Medical Insurance (PMI) covers the costs of private medical treatment for curable short term medical conditions referred to frequently as acute conditions. PMI includes the costs of surgery specialists accommodation and nursing at a private hospital or in a private ward of a NHS hospital.
There are two types of insurance plans to choose from – Standard and Comprehensive.
– A Standard Private Medical Insurance Plan covers hospital or emergency treatment. It will include in-patient and day-care treatment only.
– Comprehensive Plans include the above plus additional coverage including outpatient treatment, dental treatment, complementary medicine, maternity travel and personal accident cover.
In general Private Medical Insurance Plans do not cover chronic or critical illness which cannot be cured, e.g. multiple sclerosis, asthma or diabetes. However in a crisis most PMI policies will pay the cost of treatment for stabilising a patient and returning them to their previous level of health when possible.