Personal Medical Insurance for you and your family
We can help individuals:
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Looking for their first health insurance policies (for themselves, their family or for loved ones)
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Already insured on a policy, looking for a complimentary no obligation review or comparison of multiple health insurance providers
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Who are Group scheme leavers (somebody leaving a company private medical insurance scheme)
What is Private Medical Insurance?
UK Private Medical Insurance (PMI), sometimes known as Private Health Insurance works alongside and compliments the NHS, rather than replacing it. A private health insurance policy provides coverage for private medical care and expenses incurred in hospital or clinic (usually a private hospital but this can also sometimes be a private wing within an NHS hospital).
Policies typically provide cover for things like operations, consultations with a specialist, physiotherapy or diagnostic tests such as 'blood test' or 'an' MRI scan.
There are varying levels of health insurance cover available, such as a range of different out-patient coverage options, excess levels and hospital lists. When buying a policy, it is important to think about what elements of cover are important to you. At MMB we have a team of experts who are on hand to help you find the right policy tailored to your needs. Your MMB expert will do all of the hard work for you by understanding your needs and then offering you a range of policies to suit you.
Contact us now to speak to one of the team who will be happy to help you on 0800 031 8152, Personalhealthcare@mercermarshbenefits.com or click here and we will be happy to give you a call back.
What are the benefits of personal medical insurance?
Putting a personal medical insurance policy in place can provide many benefits such as:
- Access to cutting edge treatments that are not widely available on the NHS (such as advanced cancer drugs or newly approved treatment methods following ethical clinical trials)
- Speed of access with no NHS waiting list
- Prompt referrals and admission to hospital for treatment
- Choice and flexibility of when and where your treatment will take place
- Clean, comfortable and modern facilities
- Privacy of an en-suite room
Private medical insurance gives you the peace of mind that you don’t have to rely on the NHS or face NHS waiting lists. It allows you to schedule surgery at a time when it’s convenient for you, at a facility that is convenient for you. Take control of your healthcare journey so you don’t miss out on the big moments.
Ultimately private medical insurance allows you to make informed decisions about your healthcare and ensures that you receive timely, personalised treatment in a manner that suits your needs.
Health insurance FAQs
Policies vary depending on your age, who you are looking to insure (family members), your medical history, where you live and the level of cover and underwriting you are looking for.
Our dedicated team of experts are on hand to explain the options available to you, helping you to pick the right policy at a price you are comfortable with. Contact us now on 0800 011 3136, online.healthcare@mercer.com or click here and we will be happy to give you a call back.
We can provide you with a free no obligation review of your existing insurance policy. We will discuss your current policy to make sure you understand the level of cover it provides and that it meets your needs. We can then obtain options from the market highlighting any differences so you can make an informed decision as to how you want to proceed.
Contact us now on 0800 011 3136, online.healthcare@mercer.com or click here and we will be happy to give you a call back.
Our friendly and experienced team are experts in helping individuals leaving a company private medical insurance scheme transfer across to personal policies. If you have been using your policy or have claimed in the past you may be able to protect your underwriting, enabling you to continue with any planned or pending treatment.
The window of time you have to set up a personal policy, after the date your cover ends with your employer can be as little as 30 days, so contact the team today to discuss the various options available: 0800 011 3136, online.healthcare@mercer.com or click here and we will be happy to give you a call back.
A typical private medical insurance policy will cover things such as:
- In or day patient treatment (e.g. an operation such as a knee or hip replacement)
- MRI, CT & PET Scans
- Cancer treatment
- Mental Health support and treatment
- Physiotherapy
Depending on the type of underwriting your health insurance plan is set up on, you may not have cover for pre-existing medical conditions you have experienced before taking the policy out. A pre-existing condition is typically defined as something you have sought medical advice for, had symptoms of or taken medication for.
PMI policies are designed to cover acute conditions rather than chronic conditions (with the exception of cancer). An acute condition is defined as a disease, illness or injury that responds quickly to treatment. A chronic condition is defined as a disease illness or injury that has no known cure, needs long term treatment or monitoring or requires rehabilitation.
Often a policy will provide cover until you are diagnosed with a chronic condition such as endometriosis, arthritis or glaucoma, however once diagnosed your insurer will let you know the date that routine monitoring and routine treatment will stop being covered. After this date you will usually only have cover for flare-ups of the condition where in or day patient treatment is required. Cancer treatment is usually an exception to the chronic condition rules.