When you buy Private Medical Insurance ( also known as Health Insurance or PMI) it gives you the option of going private if you do not want to wait for treatment under the National Health Service.
Even for the most serious of conditions you may have to wait six weeks before you get to see a specialist consultant.
If you would like to be able to choose when and by whom you are treated, and are attracted by the idea of a hospital stay in a well-furnished private room with all the facilities the PMI is a must.

Medical insurance covers you and if chosen, your family, for a year at a time but, provided you pay your premiums, most health insurance companies will automatically renew the policy each year.

If and when you need treatment, the policy pays out – provided your illness is covered.
The alternative to buying private medical insurance is to meet the costs for private treatment from your income or savings, although this can be very expensive if long term or specialist treatment is required. For example an MRI scan could cost you in excess of £1000 and a knee replacement £10000.
As you can see, medical treatment does not come cheap and you need to consider what you would do if you had to have a series of operations.

At Health Insurance Quotes we explain the pros and cons of going private, what you are covered for, what you are not covered for, and provide a range of quotes from different health insurance companies. We also provide information and quotes for alternative health insurance policies and policies that cover you in the event of accidents and sickness including critical illness cover and mortgage and income protection insurance

If you are among a growing number of people who want the option of going private, but you do not have access to private medical insurance as a perk from your or your partner’s job, this sort of insurance can be worth considering. It is not cheap however, and there is no guarantee that the treatment you need will be covered. Therefore health insurance should be seen as complimentary to the National Health Service as opposed to competition.