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Private Medical Insurance
(PMI) is a widely-accepted employee benefit,
especially for key personnel where unplanned sick leave
can adversely affect the business.
The main advantages of private treatment are well known:
- Choice of specialist and
hospital.
- Speed of obtaining treatment.
- Control over when the treatment
takes place.
- Comfort and privacy of private
hospital rooms.
Yet the history of PMI has been marred
by adverse consumer reaction such as the highly critical
Office of Fair Trading reports in 1996 and 1998. In
this environment, the service and ethical standards of
the insurer become as important as the cover itself.
Contact us now for scheme information
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As a motivator and management
tool Private Medical Insurance can be a boon to an
employer – but only if it works. Failed
claims processes, poor service and obscure communication
can produce entirely the opposite effect to those intended. Fortunately,
the service and ethical culture of PHSA, in which doing
the right thing takes precedence over merely doing
things right, ensures a delivery that will
reflect favourably on the organisation providing it.
Private Medical Insurance can
be very complex so every effort has been taken to make
Medicare Progress Plan simple, both in design and operation. The
entire contractual terms of the plan are, for instance,
contained in just five pages. One of these, the Table
of Preclusions, lists
clearly the things for which we do not pay,
in deference to our ethical beliefs.
We like to empower our customers,
who are left to organise their treatment as they wish,
with minimal interference from us. Bureaucracy
is frowned upon, and even our Claim Forms require
no medical certification.
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