Private medical insurance - or PMI - pays out for private health care if you need medical treatment.
PMI allows you and your family to obtain treatment promptly and conveniently.
PMI also allows you access to advanced treatments that may not be available on the NHS.
Initially you will need a referral. This will generally come via your GP. Once you’re referred, you’ll be fast-tracked for treatment. You can receive direct care from a specialist consultant, within a high-quality private clinic and stay in private hospital accommodation.
At Independent James, we work with a wide range of insurers. All of them offer different benefits.
Our priority is to find the insurance plan appropriate for you and your family’s needs.
We use technical research programmes to compare the benefits of each insurer and their cover limits.
C Brown, Director, Stray Cat Communications, Berkshire
There is a huge choice of PMI policies, in terms of both cost and the type of cover offered.
You can choose to increase your existing PMI cover with additions, for example dental and optical cover, or it by selecting an option such as reduced out-patient cover. Excesses can also be increased to reduce cost.
We believe value is more important than price. Price is a factor as increases in Insurance Premium Tax (IPT) have added to the cost of PMI; however it is more important you have a PMI policy that is right for you and your family.
Many insurers offer additional services, in addition to core cover. This can include access to a private GP and stress counselling helplines.
A number of insurers also employ preventive healthcare measures. These include half-price access to a range of health and fitness clubs, and bonuses for the purchase of healthy food and wellbeing activity discounts.
Most PMI insurers also offer a no-claims discount.
If you have an existing policy and simply want it reviewed, we can do so at no additional cost to you. We can assist with claims, renewals and employee changes for company schemes.
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