Private Medical Insurance aims at offering certain key benefits which are otherwise not available under the government policies. Although government has been the front-runner in providing free medical care for its people but still, there are people who prefer to go the private route as they are ensured of some lucrative advantages.
This includes allowing them to jump the long NHS waiting lines to get treated for minor conditions, giving greater choice and freedom to pick a specialist and facility of their choice, offering more convenience in determining the time of appointments, treatments and surgeries, ensuring high quality personal care etc.
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All these are very attractive and luring, but it is essential to be well-informed of what PMI does and does not cover so as to help make a judicial financial decision.
It typically covers the costs of incurring treatments from specialists, bills related to consultations, diagnostic tests, surgery, theatre time, accommodation, nursing care, drugs and X-rays. It typically covers short-term illness and diseases which are completely curable.
However, there are certain aspects which PMI excludes from its coverage such as, expenses related to chronic terminal illness such as asthma, diabetes and all other pre-existing medical conditions.
Age is a crucial factor that determines who will be accepted for coverage under PMI. Generally, insurers accept people of all ages. But the older you are the higher will be the cost of insurance.