Friday, August 31, 2012

The benefits of PMI

If you're thinking about taking out private medical insurance there will be a few things you want to weigh up like the affordability of cover, and what the advantages of PMI are going to be.

Many people have private health cover via their employer and so receive all the benefits either at a reduced rate or with their employer paying for the insurance. This makes sense for a lot of employers as it means there's less sickness absence and staff needing treatment don't have to go on a waiting list, some of which can be up to 18 weeks from referral for certain types of treatment.

If however your employer doesn't provide health insurance, then it's easy to get a quote and set it up - and there are also private medical insurance plans which are affordable since you can choose the level of cover you require, so you're not paying for anything you don't need.

Advantages of PMI include

Flexibility - more control over where and when your treatment takes place. With some types of cover you can choose to go private if the NHS waiting list is longer than a certain period of weeks.

Peace of mind - knowing that treatment will be prompt and in comfortable surroundings

Drug treatments - approved drugs and treatments are available sooner than they often are elsewhere.

Choosing PMI also means that you will be able to relax in the knowledge that in the event you need any treatment you're eligible for, that you'll have the support you need when you need it, minimising any disruption to your work and home life.

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