Charity insurance quotes tailored to your organisation's needs
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Private Medical Insurance (PMI) provides coverage for 'acute medical conditions' occurring after the policy begins.
A variety of PMI plans are available, each with a different level of coverage and premium. If you have health insurance, you have choices regarding which treatments are covered, how much is covered for those treatments, where your treatment will be provided, and how much contribution you want to make toward the treatment costs (called an excess).
Individuals can take out PMI for themselves and their families, and are important for sole traders who cannot afford to miss work due to lengthy NHS wait times. For company schemes, employers cover the cost of the policy and can designate the range of cover. For example, a business may choose to provide its employees with a major medical expenses policy that would cover only surgery. Company-paid plans can help reduce absenteeism costs and attract top performers. Finally, Group PMIs involve a collective of individuals who belong to a shared organisation, such as a trade union, who pool their resources and purchase a policy for everyone in the group.
Each PMI scheme eliminates risk, provides policyholders with peace of mind, and lets them choose their own cover limits from the following:
Premier or comprehensive plans offer the broadest range of cover and have the fewest restrictions on how large of an amount can be claimed.
Standard plans are less expensive but impose limitations on what can be claimed such as the annual amount claimed and the number of days used for treatment
Budget or six-week plans are the cheapest and provide policyholders with limited cover dictated by exceptions. They typically restrict cover to the more important or expensive types of treatment.
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 policies will include drugs that are not available on the NHS
Excludes
Pre-existing conditions
Superfluous cosmetic surgery
Drugs or alcohol abuse treatments
Hormone replacement therapy and gender reassignment
Elective termination of pregnancy and vasectomy/sterilisation
Maternity cover
Expert advice from Prima Insurance Brokers
With several years of experience and expertise across the not-for-profit, charity and education sectors. Clients can count on us as their in-house insurance advisers since we take the time to understand their organisation in depth creating a strong, trusting partnership.
We know the charity sector has a wide range of special risks, which can often be confusing. By drawing on our experience and knowledge, we can guide you through every challenge and complexity - from legal requirements to operational set up.
Benefits
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