This and following pages we will give an independent view of private medical insurance (called PMI) versus health cash plan (HCP) based insurance and for each type of insurance give you base quotes and cover examples.

HCP's clear policy, clear health insurance coverage, favourable rates and for most organisations that do offer this their non profit status is in our opinion second to none and is of great value for individual, family or company medical every day cover.

If you have a small or large company you can elect to offer health insurance cash plan and either pay for it, pay for some of it or simply offer it to your employees. Payment for this private health insurance is either by Direct Debit or through payroll. It's a very easy, well proven and straight forward process. You and / or your employees can join immediately through this site or send an on-line form requesting further assistance.

This site is based on the experience of a small Limited company and reflects personal views backed by freely available statistics.

Whether you are an individual, family or small to large company, please take note:

Nearly all HCP's offered have no qualifying period (except maternity) and if the insured loses her / his job, most will pay the premium for a month.

Typical premium development

Pmi Premiums time / age

Depending on your cover with private medical insurance (PMI) this will usually cover all costs associated with your health, but no dental or every day issues like glasses or health checks. The premiums go up each year based on age and overall health cost.

HCP premium time / age
private health insurance cash plan premiums

A health cash plan pays towards every day health issues and general health related costs like dental, health screening, optical, therapies and consultations.

These health cash plan based private health insurance covers pay up to a certain amount. Thus premiums are usually flat rate and are not dependant on circumstances, membership beyond the age of 65 is at the same rate.

The difference between the two is simply the level of cover and what is paid for.
See the page PMI versa. HCP for more detail.

PMI is explained in more details here PMI in detail and the HCP - health cash plan by a typical provider explained here HCP in detail.