Whether you have your own private medical insurance policy or are covered through your work, make sure you benefit from fast access to private healthcare when you need it most.
In most circumstances you will need a referral from your GP. Your GP will either give you a referral letter at your appointment, or they will make the referral to us on your behalf.
Make sure you have the referral details to hand as your insurer will need this information to confirm you are covered by your policy.
As we work with all of the major insurers, your treatment is likely to be covered at your local BMI Healthcare hospital but do check this with your insurer. Although policies and procedures vary between insurers, we’ve put together some top tips on claiming your insurance.
For specific information to your insurer, please refer to their how to claim guides or give them a call.
- I will have to pay a high excess if I use my PMI.
Many PMI policies will apply an excess when you are making a claim, however that may not be as high as you would expect. For the majority of policies the excess is between £100 -£300.
It is also worth noting that many insurers will only apply the excess once during a 12 month period, no matter how many times you need to use your insurance
- Claiming is a tedious process - there is too much admin work.
There is a common misconception that you have to spend a considerable amount of time when making a claim on your policy. The truth is the majority of insurers have a paperless claims process. This means that, in most cases, you can activate your insurance with one simple phone call to your insurer.
We also have a dedicated team ready to help answer your questions about making a claim or using your PMI, so just get in touch.
- I have to be treated at the hospital advised by my GP or insurer.
We work with all major insurers so it’s likely that if you want to be seen by a consultant in a BMI hospital, you can. Just remember to tell your GP you have PMI and ask to be referred to the private hospital of your choice. The same applies when speaking with your insurer; in most cases you can choose your preferred local hospital and consultant.
- Private hospitals are not experienced or equipped to deliver serious, complex surgery or treatment.
We are experts in diagnostics, physiotherapy and minor procedures, but we also specialise in high-level, complex surgeries and treatments such as: complex spinal, orthopaedic and neuro surgery, cancer care including surgery and chemotherapy, and cardiac care, performing over 4,000 complex cardiac procedures a year. Our Critical Care and High Dependency Units along with our highly specialist consultants and nursing teams enable us to offer complex procedures and treatments
Make the most out of your PMI and benefit from receiving private care, no matter how big or small the problem is.
- I have a pre-existing condition so I can’t benefit from private healthcare.
A ‘pre-existing condition’ is a disease, illness or injury you have had in the past. Typically, insurers will not cover treatment for any medical conditions you may have had within 7 years prior to taking out your policy. This may be something you had seen your GP about, had diagnosed or treated.
However, you’ll usually be able to use your PMI for any new condition, illness or injury. If you have any queries about your cover and what qualifies as a pre-existing condition, speak to your insurer directly and find out more.
- I have PMI through my work but I don’t want them to know my medical history.
You can be reassured that BMI Healthcare and your insurance company are obliged by law to keep your medical details and treatment private and confidential.
- I can get the same treatment on the NHS so why go private?
The majority of treatments provided at BMI Healthcare are available on the NHS. However, the speed of access to diagnosis and treatment is generally faster within private healthcare. So if you use your PMI you are likely to find out what is wrong with you faster, allowing you to start your treatment sooner.
Also, at BMI Healthcare you’re guaranteed to be diagnosed and treated by a senior consultant specialist. Using your PMI will also mean benefitting from convenient appointment times, a calm and dignified experience and private facilities.