Breaking news
Private medical insurance

Private medical insurance (PMI) pays for you to have private treatment if you have an acute condition, such as appendicitis, or an acute episode of a chronic condition, such as asthma or diabetes. PMI will not usually pay for the ongoing treatment of chronic conditions, nor will it usually pay for GP visits, long-term care, dentistry, or accident and emergency treatment. The cost of the insurance is high, at an average of about £1,000 per year. What you want included in your policy will affect what you pay. If you want red-carpet treatment throughout, including regular health-screening and travel health insurance, you will pay more. If you are willing to pay, for example, for all your own out-patient care, or rely on the NHS, then you can cut your insurance costs. Usually the single biggest influence on cost is where you are treated. Your local private facilities are likely to cost a lot less than somewhere in central London, for example. The application form for PMI will give you a choice between full medical underwriting and moratorium underwriting. The former means telling your insurer your full medical history and, perhaps, having certain conditions excluded in the future. A moratorium application means that cover is provided immediately without the need to submit medical information and so no pre-existing condition would need to be declared. They usually remain excluded until you have been free of treatment for two years. If you go for moratorium underwriting, check with your GP that you do not have any pre-existing conditions.Whatever policy you take out, make sure you are covered before you start incurring costs. Insurers generally offer helplines so that it is easy to check this. … Read more

Sponsored links

    Featured products

    To see more related products, simply click below.

    Full listing

    Related articles

    Insurance plans Read

    Home Insurance-Importance of property inventory list

    Whether you live in your own home or tenant in a rented aprtment, you must have personal items and household possessions. You must have common items like furniture, electronic appliances, electrical gadgets, books, kitchen utensils and other property often covered by your renters or homeowners' insurance policy.Assuming an unexpected disaster like fire or theft happens in your home, do you know what item got stolen or burnt in the process? You may likely not know. That's why you need to carry out a detailed home inventory to know before hand what you have and what you worth in terms of possessions.A proper inventory will help the insurance company give your adequate coverage and pay you for...

    Related Photos

    Insurance plansInsurance plansInsurance plansInsurance plansInsurance plansInsurance plansInsurance plans
    Insurance plansInsurance plansInsurance plansInsurance plansInsurance plansInsurance plansInsurance plans
    Insurance plansInsurance plansInsurance plansInsurance plansInsurance plansInsurance plans

    Featured video

    ACORD LOMA 2012: Cloud, Customer Experience & the Insurance Industry

    ACORD LOMA 2012: Flying High: How the Cloud Can Make Insurance Firms More Successful. Mary Pilecki and David Krauss of Oracle discuss highlights from their presentation on May 15, 2012 in Orlando, Fla.

    Recent fans

      Put your
      face in here!

      Show your support and connect to facebook to join the community.

      Connect
      to your
      Facebook

      Join our mailing list

      Email privacy

      To learn more about how we handle email address information, click here.

      What you'll get

      To keep you up to date with latest developments we will occasionally send an e-newsletter filled with relevant information to help you stay informed.