Instant Online Health Insurance

Quotus will provide instant online private health insurance and medical insurance quotations and price comparisons launching soon. We aim to offer a panel of leading insurance companies such as WPA, Freedom Healthnet, BUPA, AXA PPP, Standard Life Healthcare, Exeter Friendly, Groupama, Norwich Union Healthcare - Aviva, Prudential Health - PruHealth, The Permanent Health Company - PHC, BCWA, PatientChoice, Health-on-line, HSA, National Deposit and Capital Healthcare.

PMI (private medical insurance) is chosen by discerning individuals for themselves and their families to complement the services provided under the NHS for some of the following reasons:

• to avoid the queues that can occur under the NHS
• to provide choice of: hospital, consultant, surgeon, time, location etc
• to gain privacy and dignity
• to avoid the risk of super-bugs prevalent in NHS hospitals such as MRSA and C-Difficile
• to provide drugs that cannot normally be funded by NHS

When you choose Private Medical Insurance (aka PMI or Private Health Insurance) it gives you the choice of going private if you do not want to wait for treatment under the National Health Service (NHS). Whilst the NHS is a wonderful institution and something for Britain to be proud of, you may have to wait six weeks before you get to see a specialist consultant - even for serious conditions. For non-serious conditions, the wait can be considerably longer - as we've all heard in the media. If you would like to be able to choose when, where and by whom you are treated and would prefer the privacy of your own room with state-of-the-art facilities then PMI is a good choice.

Medical insurance covers you and optionally your family for a year at a time, provided you pay your premiums. Most health insurance companies will automatically renew the policy each year.

As an alternative to full private medical insurance you can also opt for lower cost cash plans which simply provide a cash payment towards your cover rather than paying for the treatment directly. However even full medical insurance products can have excess components and/or shared responsibility components to make the policy more cost effective.

Full Medical Insurance can be provided either fully underwritten, in which case any previous conditions are not covered and must be disclosed at the time of taking out the policy or on a Moritorium basis. Moritorium policies avoid the need for full disclosure of medical history when buying a policy but will not provide cover for a specified period of time (usually 2 years) for any pre-existing medical conditions. If and when you need treatment, the policy pays out – provided your illness is covered.

The alternative to buying private medical insurance is to meet the costs for private treatment from your income or savings, although this can be very expensive if long term or specialist treatment is required. For example an MRI scan can cost around £1000 or a hip replacement up to £10000.

If you are interested in the possibility of private medical insurance now, please contact us on the free phone number on the right. We are backed by an existing brokerage with over 10 years experience in health insurance and we will always provide access to an experienced advisor to help you choose the right policy for you - even once we've launched our online quotation service.