First Year Student Living In Halls?
Benefits
Who can be covered?
What is health insurance?
Health insurance, also known as private medical insurance (PMI), is a type of insurance that covers the cost of medical care, should you need it. In the UK, the main benefits of PMI are:
Who needs health insurance?
Health Insurance within the UK is normally a personal choice. Since the NHS provide free treatments, you only need private medical insurance if:
How do I make a claim?
When receiving your policy documents from your health insurance provider, there should be some instructions on how to make a claim there. Alternatively follow these steps:
How does PMI work?
Private Medical Insurance is based on managing the risk of unexpected circumstances. You pay the premium like any other insurance policy, so that if you fall ill or have an accident, you’ll be able to receive any eligible medical treatment privately therefore avoiding any potential NHS waiting lists.
Cover for Health Insurance can be renewed annually, and treatment occurs through a specialist or GP referral. Provided that treatment has been agreed in advance with your insurer, they will pay for the cost of the treatment directly to the health care provider, or you can be reimbursed if you already covered the cost. Based on the level of cover required, each policy taken out has a limit in terms of how much financial support it offers in the health insurance policy.