People all have different reasons for wanting private medical insurance, but whatever the reason choosing the policy that is best suited to your needs can be complex. Benefit levels, excesses and exclusions can be difficult to understand, and not just if you are new to insurance - those who have had private medical insurance for years can still become confused by the jargon and concepts associated with such policies.

With such a bewildering choice of healthcare schemes available, utilising the skills and experience of an independent specialist can prove invaluable when you are looking to invest in your health.

If you are considering private medical insurance for the first time, TMIS’s partners, The Private Health Partnership (PHP) will complete a full and comprehensive review of the market for you, consulting with over 20 insurers, and subsequently recommend a policy that best suits your specific requirements. They will answer any questions you may have regarding the policy and explain the key specific elements to you.

Alternatively if you would like a review of your current insurance, PHP will undertake a full market review on your behalf comparing offers from a variety of product providers with the aim of reducing premiums without lowering benefit levels. With advances in medical technology and the changing scales of insurance, if you have had your current policy for a number of years they will also take the time to ensure that your policy still meets the requirements you have. PHP will make sure that you are not paying for cover you don’t need, that your current policy still covers everything you need it to, ensures you have adequate benefits should you need to undergo surgery and make certain it meets current standards.

The service offered through PHP will mean you are guided through the options available and you will receive a report containing all relevant information on your shortlist of options, including a formal recommendation. This will allow you to make an informed decision.

You are able to take added reassurance that the support you receive will continue after you have selected your scheme. PHP also offer:

• A claims service - when your doctor suggests you see a specialist, PHP can advise you on claims procedure and will endeavour to ensure that bills are settled to your satisfaction.
• On-going service - take advantage of the expertise available by asking questions in relation to any aspect of your health and wellbeing throughout the year.
• Annual Review - each year PHP will conduct an annual review of your scheme with a range of insurers who they believe will continue to meet your demands and needs and offer competitive value.
• With over 8,000 clients, PHP have built an industry reputation for service excellence, placing emphasis on treating customers fairly and are proud of their commitment to providing tailor-made solutions offering impartial and independent advice.

Their aim is to ensure that you are making the right decision regarding your medical policy both now and for the future, so whether you are considering private medical insurance for the first time or require a review of your existing arrangements, PHP can offer unbiased advice on all the options available.