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Private Medical Insurance PMI covers the costs of private medical treatment for curable short term medical conditions referred to frequently as acute conditions. PMI includes the costs of surgery specialist’s accommodation and nursing at a private hospital or in a private ward of an NHS hospital. The plans on offer usually come in two flavours Standard and Comprehensive. 

A Standard Private Medical Insurance Plan covers hospital or emergency treatment. It will include in-patient and day-care treatment only. Comprehensive Plans may offer additional coverage including such care as outpatient treatment, dental treatment, complementary medicine, maternity travel and personal accident cover. 

In general Private Medical Insurance does not cover chronic or critical illness which cannot be cured for example multiple sclerosis, asthma or diabetes. However in a crisis most PMI policies will pay the cost of treatment for stabilising you and returning them to their previous level of health when possible.