Nearly two thirds of all Private Medical Insurance (PMI) holders find the number and variety of health insurance products confusing, says CS Healthcare.

A survey of 1,000 UK adults with Private Medical Insurance (PMI), commissioned by CS Healthcare, shows that 60% were either moderately or really confused when buying health insurance cover because of the number and variety of health insurance products on offer.

David Royle, Chief Executive of CS Healthcare, said: “Consumers are overwhelmed by the range and complexity of health insurance products on offer. The recent trend which has seen providers offering ‘value’ extras has led consumers to view PMI as if it were a less personal purchase, such as something like car or home insurance. PMI is an entirely different form of cover that is intended to provide complete peace of mind should something go wrong with your health.”

“We have long held the view that NCDs run counter to the basic premise of PMI and therefore do not offer this across any of our products. We prefer instead to be judged on the true cost and quality of our product, rather than tempt people in, then increase prices if they claim.”

At least 42 percent of respondents said that when it comes to making the decision to buy PMI based on a free gym membership or a no-claims discount, they thought that the offers were a gimmick.