Members/companies can select the level of cover they wish to be insured for. Private Medical Insurance policies are not designed to replace all services offered by the NHS. For example, Accident & Emergency treatment is typically covered under NHS services, as they are beyond the scope of most Private Hospitals, together with the inability to obtain pre-authorisation for claims in an emergency situation. There are a number of options that can be selected or unselected in relation to the level of cover a policy provides. These are:

  • Annual limits on outpatient cover
  • The selection of hospitals available for treatment
  • The level of cancer cover
  • Psychiatric cover
  • Travel cover
  • Dental cover

Our advisers will talk through the options available to you and will propose suitable levels of cover based on your claims history and affordability of the products.