Insurance Offers
What is health insurance?
Health insurance, often referred to as private medical insurance (PMI), is an insurance policy which helps cover the cost of private treatment for pre-agreed conditions and ailments.
You'll sometimes hear it called PMI, but in most cases the product is the same - although what's covered will vary from policy to policy.
You’ll pay a monthly or annual premium for your insurance and when you need to access private care, your medical covers some or all of these costs.
Quite a few companies offer private healthcare as part of a benefits package. It tends to be for the employee only, but sometimes extends to your family too. Double check you don’t already have health insurance through your employer before taking out your own cover.
Do I need health insurance?
It’s entirely up to you. Health insurance gives you access to treatment quickly at private hospitals - skipping waiting lists or accessing drugs that aren’t available.
Depending on how extensive the cover is, whether you’re trying to get cover for a pre-existing medical condition, or whether you want to add your family, private medical cover can get expensive.
If you’re considering private medical for particular reasons, check policy docs when you’re comparing insurers to make sure you’re covered for what you need.