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Private Medical Insurance

private medical

Private medical insurance (PMI) is usually designed to treat what are called acute conditions. Which means illnesses that are short term and curable, provided they were unforeseen at the time you took out the policy. Private health insurance in the UK is not seen as a direct replacement for the NHS in circumstances such as accident and emergency or intensive care facilities, however it can be used alongside when rehabilitation is required, or transfer to a private hospital for recuperation.

What are the benefits of private medical insurance?

The overall benefit is that it gives you access to private medical care, which has four main advantages:

  • Speed of access to treatment: For many people, this is the biggest advantage of private medical insurance. Being covered by private health insurance means that you’ll receive prompt attention when you need it, without waiting weeks for an appointment and perhaps months on an NHS waiting list for your surgery or treatment.
  • Choice of timing: Patients with private medical insurance can choose when to have treatment for less urgent problems. For example, you could fit elective surgery around your work schedule or other commitments, or choose to have treatment when friends or family are free to help with childcare.
  • Choice of hospital, consultant and surgeon: As well as choosing the timing of your treatment, private medical insurance also allows you to choose the hospital you are treated at and the consultant or surgeon who treats you, although the number of hospitals available to you will depend on your level of private medical insurance cover.
  • A higher standard of facilities: Another advantage of private medical insurance is the guarantee of high quality facilities should you need to stay in hospital. Most private hospitals, and private wings within NHS establishments, will provide a private room with en suite bathroom, as well as an a la carte menu, open visiting and many other premium facilities.

We provide a consultancy approach for both corporate and individual needs, and will carefully tailor any cover we recommend.

Avenue Financial Services is a trading style of Solihull Financial Services Limited, is an Appointed Representative of Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited is entered on the FCA Register ( under reference 440718.


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