Access to healthcare when
you need it most
Our Best Promise
- Fast access to treatment
- Healthcare choice and privacy
- Cover that’s right for you and your family
Is private health
insurance for you?
Even if you have access to free NHS care, health insurance can help you feel more in control of when, how, and where you’re treated. That’s faster access to the diagnosis, treatment and aftercare you need.
- Avoid NHS wait times with faster diagnoses and treatments
- Access cutting-edge drugs and treatments not always available on the NHS
- Access private specialists, consultants, and surgeons
- Virtual GP services available 24/7
- Limit disease progression with faster treatments
- Access to private rooms, allowing you to recover in comfort
What you’re covered for
- New Acute Conditions
Our health insurance covers treatment for short-term illnesses and injuries that respond quickly to surgery and treatment - Access to 100s of hospitals
Whether you choose Expert Select or a hospital list, you’ll have access to a wide range of private UK hospitals and facilities. These include BMI, Nuffield, Spire and NHS private units - Cancer care cover
Cover for cancer diagnosis, treatment and aftercare as standard with certain insurers - Hospital charges and specialist fees
Comprehensive cover, including diagnostic tests like X-rays and scans, specialist treatment and aftercare - Outpatient consultations and treatment
Comprehensive outpatient cover, including diagnostic tests, consultations with specialists and specialist treatment – including radiotherapy and chemotherapy
What you’re not covered for
- Chronic conditions
Long term treatment of Chronic Conditions are generally excluded, however, investigations can sometimes be undertaken into the route cause of a medical condition. Some long term conditions can be covered for treatment and monitoring such as Diabetes, Asthma and Hypertension - Pre-existing conditions
If we look at your full medical history when you apply (full medical underwriting), you will have peace of mind knowing what is, and what is not, covered form the very start of the policy. If you take out moratorium underwriting conditions experienced 5 years before your start date will be covered after two years free from medication, treatment, diagnostic tests or advice after your start date - Pregnancy and childbirth
Private Medical Insurance can cover pregnancy, complications of childbirth and midwife / consultant led births at a private setting. Please call to find out more details
Each insurer will have their own list of exclusions, so it’s best to read through what is and isn’t included in the policy documentation. Speak to an advisor or get a quote to find out more.
Fast access and help with health issues whether they are big or small
See a GP within 24 hours through live video consultation
Access to cancer drugs, support every step of the way
Compare quotes from a wide range of market leading insurers today
Frequently Asked Questions
How does a Private Medical Insurance policy work?
PMI exists to help you manage any private healthcare costs you might accrue should you require treatment for any unexpected illnesses or injuries. If you suspect that you have fallen sick or been injured, visit your GP and advise them that you’re privately insured. Should you require treatment, your GP will then refer you to a specialist.
It’s important that you contact us before incurring any costs to ensure that your claim is eligible. Once your claim has been approved, you can approach any specialists about getting treatment.
What are my obligations?
1) You must give us complete and accurate answers to any questions we may ask.
2) If anything changes between the time you agreed to join and the start date you must contact us.
3) You must pay any excess that applies to your plan.
4) You must pay the premium on time
5) You must inform us if any of your personal details change, including your address.
6) If you need to make a claim call our team of Personal Advisers to ensure your claim is covered under the plan.
When and how do I pay?
You can pay your premium annually by Direct Debit, credit card, cheque or bank transfer or monthly by Direct Debit.
How do I make a claim?
If you are in a situation where in you have to make a claim, please contact the claims department as mentioned in your policy wordings. The contact details can be found in your policy wordings and our policy administrators will be help you through the claims process. You should notify us immediately have an accident or hospitalisation or any change in circumstance that will lead to a claim. Every policy clearly stipulates the maximum time period within which you have to contact the claims department and furnish the details of your claim.
Are pre-existing medical conditions covered by my policy?
No, pre-existing medical conditions are not covered by your Private Medical Insurance policy. A pre-existing medical condition is an illness for which you’ve had symptoms, consultations, medication, surgery, or other treatment in the past.
If there’s been no reoccurrence (whether that’s treatment, symptoms, or consultations) for five years, a condition might be considered eligible. For more information, please contact us to speak to an advisor about your eligibility.
How do I cancel the policy?
You can cancel your policy by writing to or calling us or the insurer within the first 14 days of receiving your membership pack (your
cooling-off period). If you do this you will receive a refund of the premium you have paid provided that no claims have been paid in
that time. If you do not cancel within this time, your membership will continue so long as you continue to pay your premium.
After your cooling-off period:
1) if you pay monthly you can cancel your plan from the next monthly payment date.
2) If you pay yearly you can cancel your plan and receive a pro-rata refund based on whole months remaining in the year. If you cancel during the year we will not pay for any claim for treatment you were given after the date of cancellation.
Can I use my policy abroad?
PMI’s primary focus is on UK-based treatment, yet some policies allow oversea Worldwide and European Emergency Medical cover for accidents and emergencies.
International Private Medical Insurance is designed as comprehensive cover for when your are outside of your country of residency, not just emergency, and we can help source this level of cover as well.
If you’re unsure if your policy covers international medical treatment, check your policy wordings or feel free to contact our customer support team, who are always happy to answer any questions you might have.
What is the complaint handling process and who do I complain to?
Should the unlikely event occur where you wish to make a complaint about Best Insurance or about the service that you have received in relation to taking our cover, the policy administrator will endeavour to take measures to correct this for you. For more details about submitting a complaint please refer to the complaints section of the policy wording.
Final Words:
It is your responsibility to ensure that Best Insurance Protection is suitable for your needs. It is therefore very important that you read all policy documentation carefully, to enable you to make an informed decision about its suitability to meet your needs.