Private Medical Insurance (also known as Health Insurance) can supplement what’s available on the NHS. If you don’t already have it as part of your employee benefits package and you can afford to pay the premiums, you might decide it’s worth paying extra to have more choice over your care.
PMI is designed to cover the costs of your care from diagnosis through to prompt treatment of acute illnesses or injuries including operations and aftercare. These could be administered in a private hospital or as a private patient in an NHS hospital. We at Haven can tailor your plan to make it perfect for you and your family.
Helping you get the treatment you need, when you want and where you want.
PMI is similar to any other insurance. You can pay monthly or annual premiums, and your provider pays out for some or all of the cost of the private medical treatment you receive.
You can have a single policy for yourself, or a joint policy to cover you and your partner. This makes things easier as you’ll only have one provider, one policy, and one point of contact to deal with.
The cost of PMI varies depending on the provider. You can normally expect your premiums to be affected by:
Some examples you will not be able to claim for treatment costs are:
You will more than likely need to be over the age of 18 to take a policy out for yourself, however, under-18's can normally be added to their parent / guardian’s policy.
You can generally expect to pay more for a PMI policy the older you are when you take out a policy.
Some providers may have upper age limits.
A Basic PMI policy usually pays for treatment and any related costs whilst you are an inpatient at the hospital.
A Medium PMI policy generally covers outpatient care as well as inpatient support.
A Comprehensive PMI policy includes the same as Basic and Medium, as well as cover for extra surrounding treatment, such as mental health care and physiotherapy.
Haven Protect Limited is a company registered in England & Wales no. 10216588. Registered Office at Earle House, Ground Floor, Atlantic Street, Altrincham, WA14 5DD. Haven Protect Limited is authorised and regulated by the Financial Conduct Authority no. 773416. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Copyright © 2021 Haven Protect Limited
Haven are following all appropriate safety guidelines to ensure the wellbeing of all our employees, their families and our clients. We remain focused on doing everything we can to support you during this unsettling time. If you have any questions or concerns we are here to help.