Private Medical Insurance (PMI) may help eligible people access some private consultations and treatment, depending on the policy selected. It does not replace emergency care or guarantee an appointment, outcome or waiting time. This guide explains the questions to ask when comparing cover.
What to check in a PMI policy
Policies differ in the conditions, treatments, hospitals and specialists they include. Some services may need a GP referral or insurer authorisation. Exclusions, excesses, benefit limits, underwriting and rules for pre-existing conditions can all affect what is available to you.
- Scope of cover: Check inpatient, day-patient and outpatient benefits separately, as well as any mental-health or diagnostic options.
- Access and choice: Ask which hospitals and specialists are in the chosen network and what steps are required before treatment.
- Cost: Compare premiums, excesses, co-payments and any limits, including how premiums may change at renewal.
- Existing conditions: Ask how the insurer treats your medical history and any waiting periods or exclusions.
Individual, group and international needs
People arranging cover for themselves and employers considering a group scheme may have different priorities and eligibility rules. Our Private Medical Insurance overview explains the available routes. Employers can read about Group Private Medical Insurance. If cover is needed while living or working abroad, see Expat Private Medical Insurance; geographic scope and local requirements must be checked with the insurer.
Questions before you decide
- Which treatments and providers would be available under the specific policy?
- What conditions, excesses, limits or exclusions would apply to you or your group?
- How does the claims and authorisation process work?
- What would the policy cost now, and what could change at renewal?
These are planning prompts, not a recommendation or a promise of faster treatment. An adviser can help explain the policy options and documentation relevant to your circumstances. Contact IM-Insured to discuss the appropriate next step. An initial enquiry does not oblige you to buy a policy.
