What does Private Medical Insurance cover?

If your employees are feeling under the weather, there’s no need to wait to see a doctor. Private Medical Insurance gives them access to private consultations, either in person or digitally (where available), at any time of the day or night.

Many policies include physiotherapy sessions with a professional to help overcome musculoskeletal conditions, so your employees get back on their feet as quickly as possible.

If a doctor is unable to diagnose the cause of an ailment, your policy may include cover for consultations, diagnostic tests, MRI and CT scans.

Private Medical Insurance may include cover for specialists, surgeons, hospital rooms, dressings and drugs. Your employees may have access to an insurer-approved network of hospitals and specialists and they will settle bills that are covered directly.

Depending on the cover you choose, your employees will have access to health checks, either online or in person. This will help reduce the instances of sickness and ill health and therefore absence.

Some insurers provide access to a private nurse helpline, as well as a second-opinion advice service. There may also be telephone support available if you have a heart condition or cancer.