Personal Health Insurance in Detail
Individual health insurance (also known as Private Medical Insurance or PMI) is, quite simply, coverage that an individual purchases for themselves and/or their family. Individual policies are often purchased with the advice of a professional insurance broker due to the complexity of coverage offerings and the premium cost.
Private Medical Insurance is very different to group health insurance, which is the type of insurance that is offered through an employer. Sometimes individual health insurance consumers have the option to pay extra for coverage of additional services such as maternity coverage.
Coverage in individual policies may be limited due to pre-existing conditions with certain kinds of medical care excluded as a result. This means that applicants for personal health insurance will sometimes need to complete some brief medical questions regarding your current state of health or ongoing conditions.
PMI works in the same way as any other type of insurance you may currently have - it's based on managing the risk of unforeseen circumstances. You pay your premium, either in monthly instalments or in one lump sum, so that if you fall ill or worse have an accident, you'll be able to receive any eligible medical treatment privately - avoiding any potential NHS waiting lists.
Click on our partners to find out more about the packages we can supply you.
- Talk to one of our experts
about your individual
health insurance needs.
- We'll advise you on
the best type of
health cover for you.
- We speak to leading health insurers on your behalf.
- We'll find the best deal for price, cover and service.
- Enjoy peace of mind knowing your family's health is in safe hands.
What customers say about our service
..brilliant knowledge of private health-care and his research into the best policy for us, we have been able to take out a really good policy and save quite a bit of money from a previous policy we had.
Your staff are always a pleasure to deal with, always helpful and polite and most importantly reliable. I can confidently say that the ‘old fashioned’ values upheld by your staff set your company aside from others and this is not only refreshing in this day and age but also a relief.
Mr Roland James
Thank you for all your efforts, we are very pleased with your service and help and are happy to continue enjoying this service!