PMI health check

How to get the best from private medical insurance

Purchasing private medical insurance (PMI) is a major decision and deserves careful consideration. The product can be complicated to understand and differences in coverage are not always obvious. That’s why it is always sensible to seek professional advice from a specialist health benefits advisor or intermediary.

This guide has been designed to provide you and your adviser with background information on a range of topics to help you assess the quality and value of the various PMI products on the market. It is not a substitute for advice from a professional adviser and does not replace any of the existing regulations or legislation relating to the sale of financial products in the UK.

The guide looks at four areas:

Cancer
Cardiac, both areas where the impact of illness, and treatment, can be profound
Consultants who are at the centre of delivering high quality care
Key aspects of safety, such as on-site intensive care and infection rates

As well as treating thousands of patients each year for elective surgery such as orthopaedics and general surgery, HCA also specialises in treating many complex and acute conditions including cancer, neurosciences and cardiac care. Our hospitals offer some of the most advanced treatment options in the UK and over 3,000 consultants, many from leading NHS hospitals, choose to base their private practice at one of our facilities.

HCA also provides a wide range of services that are either not covered at all by PMI, or which have very limited coverage. These include IVF and maternity, emergency medical care, treatment of chronic conditions such as lupus and sleep disorders, and intensive stroke rehabilitation.

We hope that this information guide helps you and your adviser ask the right questions so that you are able to compare different policies and ultimately buy the right product for you.

If you require any further information, please contact Raj Vasudevan, Commercial Director at HCA International on 020 7616 4880 or by email raj.vasudevan@hcahealthcare.co.uk.

Download the PMI Health Check guide.