We are able to provide no obligation advice because we don’t work for any one insurer. We offer:

1. Explanation into available PMI policies and explain what exactly you are covered for, including what, if any restrictions apply.

2. Study the market place to see if better cover can be achieved for the same price you are paying.

3. Fully explain the underwriting terms of your policy.

If you are considering PMI for yourself and your family or for your business, but feel it’s far too expensive, well you might be in for a surprise.

A typical policy, with a £500 excess, with an established insurer such as Norwich Union Healthcare, would cost a 25 year old, living outside London, around £34 a month, including an introductory No Claim Discount. The same policy for a couple of 35 year olds and their three children (under 10) would cost around £99 per month.

If your budget can’t stretch to PMI due to other commitments, another option, which is becoming more and more popular, is a cash plan.

For a very small amount per month, you can get cash benefits for NHS or private treatment, ranging from dental and optical charges to chiropody and physiotherapy.

A typical cashplan starts from under £10 per month and you and your family get a range of benefits including hospital in-patient benefit, specialist consultations and maternity benefit. A similar scheme for small groups and businesses starts at just £5 per month and includes face to face counselling for such things as stress and bereavements.

With so many policies available on the market, advice is the key. So contact us here at Caprica Healthcare, your professional Independent Healthcare Intermediary before you take out any PMI or consider changing your provider and we will help steer you in the right direction.