Health Insurance or Private Medical Insurance (PMI), as it is sometimes referred to, is designed to cover treatment for curable, short-term illness or injury (often referred to as acute conditions) and will offer you peace of mind and speedy access to treatment.

Your insurance will pay for costs such as consultants or specialists, diagnostic tests, treatment, surgery and hospital fees. It is designed to compliment the NHS, not replace it.

Your cover will help you benefit from;

• No waiting lists
• Consistency of treatment
• Choice – who you see and where
• Comfort and privacy
• Access to specialist drugs and treatments
• Flexible cover
• Comprehensive cancer options
• Quicker recovery

It is important to seek the right cover that will suit your needs, as well as understanding what you will and won’t be covered for. Most insurer’s will have the below main policy exclusions which apply to everyone.

• Pre-existing conditions
• Treatment for chronic conditions *these are long term illnesses/conditions that cannot be cured
• Continued treatment of a condition which is no longer considered to be an acute condition
• Cosmetic treatment
• Treatment of alcoholism, alcohol abuse, drug abuse and solvent abuse
• Injuries sustained whilst participating in a sport for which you are paid or sponsored

A consumers guide to Private Medical Insurance.

There are many different levels and options to choose from, and lots of different insurers to consider. At Cransford, we will search the market and broker the best option for you. We will offer impartial and independent advice to help you make an informed decision.

Please click on the Consumer Guide to buying PMI published by the Association of British Insurers. This guide explains how PMI policies work and helps you make an informed choice before you buy a policy.