Private Medical Insurance Quotes
Private Medical Insurance
Get a quote and use us for your Private Medical Health Insurance cover and we will give you
Cashback of £100!
Get instant cover call us now on 01872 277291
Private medical insurance quote and applyAs its name suggests this plan can provide tailored private medical care for you and your family so you access to instant treatment. Earn up to 50% no claims discount with this very competitive cover. |
What is Private Medical Insurance?
For many years, the only way to receive prompt access to private medical treatment at point of need was to pay for it yourself.
However, with even minor operations and procedures potentially costing thousands of pounds, for most of us this is impractical. Private medical insurance is designed to help you avoid the stress of long hospital waiting lists and inconvenient appointment times. You can also choose where and when you want treatment.
What if you are Transferring from Another Health Insurance Plan?
Simple. The Personal Choice Continued Medical
Exclusions (CME) option could enable you to transfer from your current
individual private medical insurance (PMI) policy to a Personal Choice
policy without the need to be re-underwritten.
Acceptance on CME terms is subject to you being able to agree with the
following qualifying statements which apply to all proposed insured persons.
- You currently have a personal PMI policy.
- Your current PMI policy is not underwritten by AXA PPP healthcare.
- Neither you, nor anyone else to be insured under this policy, has had treatment, investigations or tests in hospital or consulted a specialist in the last 12 months (this applies whether the treatment was received privately or under the National Health Service).
- Neither you, nor anyone else to be insured under this policy, has any treatment, investigation or test planned or pending (this applies whether it is to be received privately or under the National Health Service).
Upon acceptance, your NEW policy will be subject to the those terms and conditions and not those of your previous insurer.
Private Medical Insurance- What Other Options are Available?
Possible options available include, no claims discount protection plus.
Option 1 – Standard out-patient cover
Up to £1,000 per year for specialist consultations, clinical practitioner charges and diagnostic fees including pathology
and radiology.
Or
Option 2 – Comprehensive out-patient cover
No annual maximum for specialist consultations, clinical practitioner charges and diagnostic fees including pathology
and radiology.
If you have chosen Option 1 or 2 you may then choose any or all of the following options:
Option 3 – Therapies
Up to £1,000 per year for complementary practitioner and physiotherapist charges. Within this limit you can claim for a
maximum of 10 sessions of treatment a year for GP referred treatment with a complementary practitioner or physiotherapist. Any further treatment
must be under the control of a specialist.
Option 4 – ong>Option 4 – Psychiatric
Cover for in-patient and day-patient treatment of psychiatric conditions and out-patient treatment of psychiatric conditions, including specialists’ and
clinical practitioners’ charges.
Option 5 – Ancillary benefits
Hospital at home – to cover the cost of a nurse to administer intravenous chemotherapy for the treatment of cancer or intravenous antibiotics at home.
NHS cash benefit – £100 a night up to £2,000 a year. Oral surgery – No annual maximum for treatment of certain specified oral surgical
procedures. Chiropody charges.
Option 6 – Excess
If you select Option 6 you pay the first £100, £250 or £500 of eligible claims once each policy year, for each person covered by
your policy. Full details of how the excess is applied can be found in the ‘Additional Information’ section of your membership
handbook.
Option 7 – Dental and Optical cash benefit
This option provides cover for (a) 80% of the costs of eligible dental care up to a maximum of £150 each year and (b) 80%
of the cost up to a maximum of £250 every two years for prescribed spectacles and contact lenses needed to correct
vision. This option also provides you with £15 of cover towards the cost of eye tests in each policy year.
Option 8 – Annual Travel Cover
This option provides cover towards the cost of emergency medical treatment abroad. The travel option has the major benefits of other travel insurance policies
such as medical costs, additional expenses and delayed departure. Please refer to the Travel Cover Membership Handbook for further information.
You may only choose Option 9 if you have chosen Option 2.
Option 9 – Extended Cancer Cover
Option 2 of the policy includes cover for the out-patient investigation and treatment of cancer which arises after the start of the
policy. This includes radiotherapy or chemotherapy, alone or in combination. In addition to the traditional cancer treatment
covered by the plan, members will also have up to 12 months cover, subject to the policy terms and conditions, for licensed
chemotherapy drug treatments (such as Herceptin and Avastin) which may be needed for a prolonged period of time.
If the Extended Cancer Cover option is chosen, members will instead have up to 36 months cover. As detailed in the main exclusions and limitations section of this policy summary your cover is restricted for treatment of conditions you had prior to joining. How this applies to your cover will depend on the basis on which you join. Whichever method you join on will be confirmed on your membership statement. Further details can be found in ‘Existing medical conditions’ section of your membership handbook or any addendum we may send you.
Need help? call us on 01872 277291
Private Medical Insurance Cashback Terms
- Cashback is paid after the second month and once you have made the 2nd monthly payment.
- Policy premium must be £40 per month or more to qualify for cashback.
- The cashback is a rebate of our commission, which is paid in advance of the earnings period typically 12 months. Cashback is only paid on the basis that you maintain the cover for the commission earnings period or longer. Should the policy stop within this earnings period the provider will request repayment of any unearned commission from us and you agree to repay on our demand your percentage share based on the percentage paid to you as cashback.
- We reserve the right to delay paying the cashback until after the commission earnings period if we suspect the policy has been taken out for the sole purpose of acquiring the cashback with no intent of maintaining the cover.
- These cashback terms do not affect your Statutory rights.
- We reserve the right to alter these terms at anytime and if we do shall take immediate effect.
Cashback terms last updated 4th April. 2009
