Private Medical Insurance

At SMH Financial Services, we understand the importance of taking care of your health and wellbeing. That’s why we offer advice on Private Medical Insurance to help you protect yourself and your loved ones.

What is Private Medical Insurance?

Private Medical Insurance (PMI) is designed to meet the cost of providing private medical health care for acute conditions. This will help you to avoid NHS queues and allows you to receive speedy medical treatment in private and comfortable surroundings.

What does it cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy and who you buy it from. Cover usually includes:

  • The cost of hospital admission
  • Diagnostic tests, such as MRI and CT scans
  • Surgery
  • The costs of seeing a consultant
  • Hospital accommodation and nursing care
  • Cancer drugs – some polices will include drugs that are not available on the NHS

Benefits of Private Medical Insurance

  • Prompt Access to Healthcare
  • Choice of Healthcare Providers
  • Shorter Waiting Times
  • Access to Specialists
  • Private Hospital Accommodation

Do you need private health insurance?

It’s very much a personal choice. UK residents get free treatment on the NHS, so you only really need private medical insurance if:

  • You would prefer not to wait for NHS treatment.
  • You don’t want to use the NHS, and would prefer private hospitals where possible.
  • You want to be covered for drugs and treatment you can’t get on the NHS.

If you would like to arrange an initial meeting with one of our financial advisers, please contact the SMH Financial Services team on info@smh.group or 0114 266 4432.

Financial protection policies typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.