What Is Private Medical Insurance?
Private medical insurance helps with the cost of eligible private healthcare covered by your policy. You choose a level of cover, complete an application and pay a premium, then contact the insurer before arranging most treatment.
It is designed to complement the NHS rather than replace it. Shield explains WPA's available options and provides a personal recommendation based on your Demands and Needs.
Private Healthcare with More Choice and Control
Depending on the policy selected, private medical insurance may help with eligible specialist consultations, diagnostic tests, complex scans, hospital treatment and selected health support services. It can give you another route when you want to explore private care.
What you can claim for depends on the product, benefits, limits, underwriting and exclusions agreed when the policy begins. How Private Medical Insurance Works explains the journey in more detail.
Explore Private Medical Insurance
Use these guides to understand the subject before deciding whether to speak with Shield.
Who Is PMI For?
Consider the people and circumstances that may make private medical insurance relevant.
Benefits of PMI
Explore the types of eligible private healthcare and support cover may include.
How PMI Works
From discussing your needs and applying through to authorisation and renewal.
What Health Insurance May Help With
What Private Medical Insurance Does Not Replace
Private medical insurance does not replace emergency care, routine NHS services or every form of healthcare. Based on the terms and conditions of your policy, chronic conditions, pre-existing conditions and treatment outside the policy terms may not be covered.
It is important to read the policy documents and contact WPA before arranging treatment. Shield will explain relevant terms during the advice process, while WPA authorises eligible treatment and manages claims.
Discuss What You Need from Your Cover
If you are ready to move from research to a personal recommendation, Shield can explain the relevant WPA options in a free initial conversation.
