If you find private medical insurance expensive and confusing, PatientChoice offers a new and affordable alternative approach to conventional private medical insurance. When you need an operation or a medical procedure their plans simply allocate you a budget of money to spend which is designed to be sufficient to allow you to purchase an all in package of treatment at a private UK Hospital. To help you select your hospital you can use the company’s free treatment sourcing service and any money left over is then returned to you. Treatment can also be obtained abroad and this can often be cheaper than in the UK, leading to greater savings.
PatientChoice believes that traditional PMI - insurance that duplicates the NHS - is unnecessary and becoming unaffordable for many existing and potential retail customers. Indeed market data suggests that most traditional PMI providers are losing retail customers. The company believes that changes both within the NHS and more generally in the provision of healthcare in the UK mean that better alternatives to traditional PMI can be developed which will be attractive to many customers.
PCL has developed one such alternative. Their approach:
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Covers operations and medical procedures - the more expensive but common aspects of medical care
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Offers policyholders complete freedom of choice of provider when they need to make a claim
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Takes advantage of 'fixed-price packages' of care now available at private hospitals in the UK
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Empowers policyholders to take an interest in the cost of their care
The Hospital Treatment Plan concept was designed by doctors to offer individuals, companies, and affinity groups a real cost-effective alternative to traditional private medical insurance, where premiums rise annually far in excess of general inflation, whilst retaining the members right to choose where and when they receive treatment.
The company currently offers two specific healthcare plans for individuals, the PatientChoice Hospital Treatment Plan and PatientChoice Access, which are underwritten by Foresters Friendly Society and Great Lakes Reinsurance (UK) Ltd.
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Last updated: 8 February 2010
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