SPECIALIST ADVICE
Private medical insurance
Private medical insurance can help eligible members access private diagnosis and treatment for covered acute conditions. Benefits, hospital lists, excesses and underwriting differ widely.
Private healthcare cover for individuals and teams
Private medical insurance can help eligible members access private diagnosis and treatment for covered acute conditions. Benefits, hospital lists, excesses and underwriting differ widely.
Individual and family
Select benefits around outpatient care, hospitals, therapies and family needs.
Company schemes
Provide cover for directors, employees or defined groups within the business.
Underwriting
Understand moratorium, full medical underwriting and switching terms.
Cost control
Balance excess, hospital list and benefit limits against the premium budget.
Private medical insurance FAQs
Are existing conditions covered?
Often not immediately. Treatment depends on the underwriting basis, policy terms and any exclusions applied.
Does PMI replace the NHS?
No. It complements NHS care and policies commonly rely on emergency, chronic and certain specialist services remaining with the NHS.
Can a business cover only directors?
Potentially, subject to insurer rules, scheme size and how eligibility is defined.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Business and individual PMI enquiries will be matched to the appropriate protection specialist.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages, bridging finance and some buy-to-let arrangements are not regulated mortgage contracts. Smart Mortgages Limited is authorised and regulated by the FCA, reference 912358.