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    • OEICs
    • Investment Trusts
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    • Introduction to Mortgages
    • Mortgage Repayment
    • First Time Buyer
    • Remortgaging
    • Standard Variable Rate Mortgages
    • Cashback Mortgages
    • Fixed Rate Mortgages
    • Tracker Mortgages
    • Buy-to-let
    • Offset Mortgages
    • Second Charge Mortgages
    • Self Build Mortgages
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    • Types of Equity Release
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    • Home Reversion Plan
    • Drawdown Lifetime Mortgage
    • Home Income Plan
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    • Occupational Pensions / Auto Enrolment
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    • Stakeholder
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    • Executive Pension Plan
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    • Introduction to Taxation
    • Income Tax
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  • Private Medical Insurance

Private Medical Insurance

This is insurance that pays the hospital or Doctor for your treatment. It can include treatment in a private ward, or being seen earlier in an NHS ward. Some plans also allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any link to NHS waiting times.

You are either medically checked and underwritten at outset (so you know what you’re covered for and what you won’t be), or have no medical checking at outset (but conditions that occurred two years before taking out the cover are not covered, and often there is no cover for a reoccurrence within five years after taking out the plan). Premiums are usually reviewable annually.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Call Us Now 01775 718257 Send Us An Enquiry

Company address: Bingham-Woods Independent Financial Advisors Ltd, 2 Bridge Street, Spalding, Lincolnshire, PE11 1XA
T: 01775 718257 Email: [email protected]

Bingham-Woods Independent Financial Advisors Ltd is an appointed representative of Quilter Wealth Limited, and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Quilter Wealth Limited is entered on the FCA Register (https://register.fca.org.uk/s/) under reference 217742 and Quilter Mortgage Planning Limited under reference 440718.

Bingham-Woods Independent Financial Advisors Ltd (05994922) is registered in England. The registered address is 2 Bridge Street, Spalding, Lincolnshire PE11 1XA.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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