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PRIVATE MEDICAL INSURANCE (PMI) |
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Private Medical Insurance is designed to cover the costs
of private medical treatment for curable short-term illness or injury(commonly known as
acute conditions). Most people buy PMI for the reassurance that treatment is available
promptly if they become ill or are injured.Such delays can often impact upon an
individual's income stream.As a private patient you can often choose when treatment takes
place, the specialist who treats you and the hospital.
NHS Executive figures for 30.9.01
state that there were 1,035,302 NHS patients on waiting lists. Individual waiting times
for treatment can vary from region to region and also be dependent upon the nature of
treatment required e.g 32% of Ear,nose and throat patients were waiting for 6 months or
more. The average wait for all patients is currently 2.99 months (May 2002). |
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What
is covered ?
| Usually included |
Sometimes included |
Usually NOT included |
| Short-term(acute)
medical conditions |
Out-patient tests |
Pre-existing
conditions |
| In-patient tests |
Out-patient
consultations with a specialist |
GP services |
| Surgery |
Overseas cover |
Long-term illnesses
which cannot be cured(chronic conditions) |
| Hospital
accommodation & nursing |
Cash payment for
treatment received as an NHS in-patient |
Accident &
emergency admission |
There is a large variety
of schemes available - from low-cost schemes, offering limited cover, to those which offer
wide-ranging cover and benefits. Most schemes offer in-patient cover and day-patient care,
but not always out-patient.
Because of the wide range
of schemes available and wide-ranging preferences we will quote for your requirements on
an individual basis. If you wish to do this, please complete the following short request
form:
PMI Request Form
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Copyright ©
2002 F T W (IFA) Ltd
Last modified: August 15, 2008
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