A Private Medical & Permanent Health Insurance Website
PMI Private Medical Insurance and PHI Permanent
Health Insurance are different types of healthcare plans which
UK residents and expatriates can get quotes for via this website.
The quotes are supplied by TheIdol.com, a fully independent
intermediary and client advisor specialising in health insurance
of all types. Because the benefits can often complement each
other, many healthcare advisors recommend a careful combination
of both PMI and PHI cover plans.
PMI Private Medical Insurance
Private Medical Insurance, or PMI, covers the
costs of private medical treatment for curable short term
medical conditions, frequently referred to as 'acute conditions'.
PMI includes the costs of surgery, specialists, accommodation
and nursing either at a private hospital or in a private ward
of an NHS hospital.
The plans on offer usually come in two 'flavours'
- Standard and Comprehensive, although it is also possible
to arrange standalone policies to cover personal accident,
dental care or routine maternity costs. Quotes can be obtained
for private individuals, family, group or company wide plans.
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There are a number of benefits of PMI plans
over using the NHS:
- Faster treatment, especially for relatively minor or non-urgent
conditions. Despite the pain, inconvenience or discomfort
caused by your medical problem, it may be some time before
you manage to get treated on the NHS. The same is not usually
true of private healthcare.
- More precise scheduling. You can know much further in
advance when your appointments are going to be. This is
especially significant to anyone with heavy advance commitments
- sportsmen and women, business or professional people etc.
- You get treated in a private hospital and will have your
- You can often choose your own consultant.
PHI & Critical Illness Insurance
Often confused with PMI plans, PHI policies are more commonly
known as long term income protection and provide a continuing
income upon the diagnosis of certain illnesses or chronic
conditions. Critical illness plans are fairly similar but
tend to pay out a lump sum upon diagnosis of a covered condition.
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Click the links in the panel on the upper right
hand side of this page to get a quote or to find out more
about the companies that are working together to provide this