Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.

This plan covers the cost of private medical treatment for particular acute conditions after your policy begins. An acute condition is an illness or injury that responds quickly to treatment and aims to return you to the state of health prior to illness or injury. However, insurers will typically not cover the opposite, such as chronic or pre-existing conditions, unless you pay a supplementary premium.

PMI can be customised by selecting the types of medical treatment, the level of cover that will apply to them, the location of treatment and your voluntary contribution. Overall, PMI complements NHS services by providing cover for the cost of prompt access to private treatment, as well as access to novel treatments and therapies not available on the NHS.