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What does a PMI policy cover?

Private medical insurance (PMI) is typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from PMI depends upon the policy that you buy. Learn more about treatments and plans about treatments and plans for private health insurance. Basic cover will usually pick up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants).

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If I become sick, can I avoid waiting in NHS queues?

With a PMI policy in place you'll have access to expert private medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the NHS does an amazing job, queues are inevitable for all but the most acute medical emergencies, and PMI policies are often taken to avoid those queues in the future, by being able to access expert private medical help.

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But I'm healthy, so why would I want Private Medical Insurance?

A PMI policy, like all insurance policies, is your protection against the future and not the present. There's no better time to consider taking PMI than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock in your good health.

Also, The Telegraph has reported that there has been a 40% surge in patients paying for private healthcare in order to avoid long waiting lists in the NHS since the Covid pandemic. Furthermore, The Royal College of Emergency Medicine estimates as many as 300 to 500 deaths per week as a result of delays in receiving emergency medical care. Against this backdrop, more and more UK families are opting for private healthcare to give them greater peace of mind and more reliable medical options.

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What are the top treatments claimed for?

To give you an indication of the treatments private health insurance is used for, the greatest number of claims Bupa received in 2017 were as follows:

1. Musculoskeletal problems (eg, back or neck pain)
2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
4. Cancer
5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)