Private Medical Cover
Private Medical Cover – sometimes called PMI, private healthcare or private health cover – gives you the reassurance of knowing that, should the need arise, you and your family will enjoy medical treatment privately, without waiting for the NHS to treat you. Private medical insurance works in the same way as any other insurance – it’s based on managing the risk of unforeseen events. You pay your premium, either in instalments or in one lump sum, so that if you fall ill you’ll be able to receive any eligible medical treatment privately – avoiding any potential NHS waiting lists. Think of it as peace of mind.
Private health insurance could be right for you if you want…
- Prompt treatment
Private health insurance gives you and your family prompt access to the treatment covered by your plan.
- A wide choice of hospitals and specialists
Our health insurance cover offers a choice of when you are treated and the hospital you are treated in, with access to over 24,000 specialists / consultants.
- Comfortable, private facilities
If you need to be admitted into hospital for treatment, private health insurance typically means you’ll benefit from excellent facilities – for example, most of our network of over 250 quality assessed Hospitals offer private en-suite rooms with TV, telephone and radio.
The Plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then the cover will lapse.
Home and Contents Insuranse
Whatever the reason it is important to ensure your family can maintain the standard of living to which they were accustomed.There are various types of life assurance policies.
Family Income Benefit
Family Income Benefit (FIB) provides a tax free regular income which is paid out for the remaining term of the policy if you die. FIB can provide a replacement income and may be index-linked to inflation.