Personal Health Insurance
PMI married / couple cover

Some people first experience private medical insurance (PMI) and married / couple cover when they move into a job where it is provided as part of a benefits package. It may not be something that they would typically have considered buying for themselves but it may be a perk that one can get used to very quickly.

Happily, if you have a job or have just moved to a job which doesn't offer private medical insurance cover as part of the package, you may be surprised to find that far from being something that only the wealthy can afford, these days there are numerous married / couple health cover insurance packages often available at very attractive prices.

The NHS is highly regarded in the UK and throughout the world. However, even its strongest advocates may not be able to deny that at times resources can be stretched meaning that there may be lengthy delays for appointments and consultations, further delays for test results to come through and then even more delays before treatment can start.

PMI flexibility

If you and your partner have full and active lives, then all the hanging around may be extremely frustrating when all you want to do is get treated, get better and get back to normal.

This is where the flexibility offered by private medical married / couple cover may be just what you're looking for.

One of the many strengths of this private health insurance plan is that it puts you more in control of what is happening and importantly, when. If you have such health cover, it may be possible to:

• choose your own appointment times to fit in with work schedules and private commitments;
• obtain prompt access to a consultant of your choice;
• opt for treatment at a hospital or clinic convenient for you and your family - some private health insurance policies may even cover treatment outside of the UK.

Levels of PMI cover

It is not only in the area of diagnosis and treatment that such policies are flexible. There are a wide variety of health insurance products with varying levels of cover available to suit most budgets and meet the specific needs of you and your partner. For example:

• there may be some illnesses that you are more worried about than others - cancer or heart problems for example (though some policies may exclude some variants of these types of health problems);
• access to outpatient treatments may be important;
• you may support the use of complementary medicine;
• you may be looking for cover for optical fees or for dental treatment.

Finding the right cover for you

Finding the right PMI married / couple cover from the variety of products and combinations of cover around needn't be difficult, meaning you can get of peace of mind often at an affordable cost.