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Private Medical Insurance
Private Medical Insurance provides more rapid healthcare treatment than that available
under the National Health Service (NHS). An individual has the option, therefore,
to plan treatment around a busy schedule together with choosing a preferred consultant
and private hospital. Premiums tend to be banded, reflecting the charges made by
a particular hospital, and increase with age.
There are three main categories of insurance, although policy conditions vary between providers.
- Comprehensive Cover - Generally, these plans provide cover for
in patient and out patient treatment, on a full refund basis subject to any excesses;
home nursing; private ambulance; parental accommodation in the event of a child
being in hospital; and usually NHS cash benefit. In addition other services may
be covered such as dental treatment, ophthalmic charges and normal pregnancy and
delivery.
- Standard Cover - Generally, these plans provide cover for in patient
and out patient treatment, on a full refund basis subject to any excesses; home
nursing; private ambulance; parental accommodation in the event of a child being
in hospital; and usually NHS cash benefit.
- Budget Cover - Generally, these plans are more limited and may only include cover for in patient treatment. Out patient
treatment would normally be excluded, unless related to an in patient stay.