Private Medical Insurance in the United Kingdom
In comparative studies of health care, the United Kingdom's health care system continues to be categorized in terms of public finance and public provision. However, over 11% of the United Kingdom population has private medical insurance (PMI), and PMI is an important contributor to the United Kingdom's health economy (the market being worth almost £3 billion a year). This study provides an introductory overview of an often-ignored and significantly under-researched area.
The study is structured according to the three key dimensions of the market for PMI: the product, demand and supply. It also includes a short appendix on the market for health cash plans--an alternative form of private cover for medical expenses with relatively broad take-up. The Introduction provides a classification of forms of voluntary health insurance (VHI) and locates PMI within the wider United Kingdom health care system.
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Demand for Private Medical Insurance
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actuarially fair AON Consulting AON Health Solutions Association of British AXA PPP basis BHPS data British Insurers BUPA caesarean sections Chartered Insurance Institute claims expenditure Competition Commission consumer corporate market corporate PMI cost sharing coverage Datamonitor demand for PMI employers exclusion Fair Trading Financial Services Authority Frayne & Goodman GISC gross margins growth Hall & Preston health cash plans individual market individual PMI intermediaries King & Mossialos Laing & Buisson market for PMI market share million moratorium underwriting NHS waiting lists NIMES Norwich Union Healthcare offer Office of Fair operation patient PMI cover PMI market policies pre-existing conditions premium income premium increases Private Customers private hospitals private medical insurance product options Propper public system purchase of PMI purchase PMI reimbursement Royal & SunAlliance sector significant specialist Standard Life Healthcare subscriber numbers substitutive VHI supplementary VHI Table treatment United Kingdom voluntary health insurance