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UK is a pioneer in the area of providing universal free health service for the benefits of it's citizens. Despite that, numerous people opt to go the private route and pay for their medical insurance plans. According to a survey conducted by BUPA, the primary causal factor is that there is a rising fear of deadly bugs such as the MSRA. The decision to opt for private health insurance plans also results from their inclination towards avoiding long queues and waiting times. In simple terms, private medical insurance seeks to offer plans that cover for emergency private treatments for short-term curable problems and enables people to achieve this via bypassing the NHS waiting lists. Private Medical Insurance (PMI) generally covers expenses that are related to specific, short-term, remediable conditions and not incurable conditions or pre-existing conditions. The coverage is limited to basic routine consultations, surgeries, nursing and hospital care. There are basically two types of plans that determine the extent of coverage - the fully underwritten plan, where you will have to disclose complete medical history to determine the amount of coverage; and the moratorium plan which clearly states exclusions for pre-existing conditions that you might have for a set past number of years. The cost associated with PMI tends to vary depending on the amount of coverage desired, age, health condition and certain habits such as drinking, smoking etc.. It is possible to cut down the premium costs by foregoing some benefits such as keeping the coverage to the barest minimum required, choosing a limited number of specialists and facilities and paying yearly or half-yearly premium upfront so as to get discount for bulk payment. You can also sign up for policies which includes a no-claims bonus and offers discounts for staying fit and healthy. These are some simple ways through which PMI can be made affordable for all. There are numerous benefits that you can avail by taking up PMI. The most important among them are : There are no wait times as in NHS to undergo treatment. With PMI, the insured has greater freedom and wider choice to determine specialists and facilities as well as determine time of routine appointments and treatment. PMI also offers the benefits of good quality personal care for their clients. There are plethora of choices with regard to the type of insurance plan to sign up for. They also offer comprehensive family plans that provide great peace of mind for the head of the family. These plans can easily be formulated to suit each individual's health requirements as well as budget! With such vast benefits, private medical insurance is the first step towards making your health and life secured! Check out health protected site, which offers private health insurance UK from various other insurance companies and helps you professionally to find out the best choice of yours. It provides exclusive family and individual health insurance in UK.
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