Common Private Medical Insurance questions.
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What are the benefits of Private Health Insurance?
The benefits of PMI include shorter waiting times and access to private hospitals and consultants.
What does Private Medical Insurance cover?
PMI covers private inpatient and outpatient treatment in a range of selected hospitals. You can add such treatments as physiotherapy and osteopathy to the plan, sometimes at additional cost.
How much does Private Healthcare cost?
The cost of PMI will depend upon age, health, lifestyle and level of cover.
Switching Private Medical Insurance
You should be aware that a replacement policy may exclude any medical conditions that you have claimed for from your previous provider. If you are leaving a corporate PMI scheme, it may be possible to continue cover on an individual basis. Check with your provider.
Facts about private healthcare
Private Healthcare gives the policyholder access to private hospitals and consultants, enabling them to obtain speedier treatment in more comfortable surroundings than the NHS is able to offer.
The Private Medical Insurance Process
Working with HB Partners
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An informal introductory conversation
Our protection experts will work with you to understand your risks, then take you through the options available to you. Such as how much cover do we need? How much will it cost?
We will look for the most appropriate insurance product to meet your requirements.
Our Expert Recommendation
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The right Private Medical Insurance for you
Our experts will calculate the amount of cover required, then compare the relevant providers that meet your needs. We will then take you through the providers and options for you.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
Full Application
A PMI policy gives you speedy access to medical specialists in private hospitals. Benefits of this type of policy include
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Meet the Team
WHY DO I NEED PRIVATE MEDICAL INSURANCE?
Many people, at any stage of their lives, will choose to take out PMI if they are concerned that the NHS will not provide them with timely and adequate care.
WHAT IS THE BENEFIT OF PMI OVER THE NHS?
PMI cover allows the policyholder access to consultations and treatment more quickly than they would through the NHS. This in itself could facilitate a speedier recovery.
WHAT IS THE AVERAGE COST OF PMI PER MONTH?
The cost per month of PMI will depend upon your age and health, along with the level of cover that you choose.
IS IT WORTH GETTING PRIVATE HEALTH INSURANCE?
The simple answer is yes. The policyholder will have access to private hospital consultations, testing and treatment more quickly than they would through the NHS.
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
* add-on treatments will be subject to individual policy terms and conditions
Why use us?
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We are qualified to advise you on your equity release requirements.
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Mark Culham
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
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