Premium healthcare at your fingertips
Imagine a healthcare experience that’s designed around you.
One where you can see the best specialists, avoid long waiting times, and receive treatment at top-tier hospitals with the privacy and comfort you deserve. That’s what Private Medical Insurance is all about:
- Providing fast access to quality care
- When and where you need it the most
- Reduce uncertainty and delays
- Choice of specialist hospitals
Start your personalised quote in 3 simple steps
Very professional service and very knowledgeable I wouldn’t hesitate to recommend this service.
I was able to express everything I was thinking of and received great service and clear explanations.
What is Private Medical Insurance?
Unlike traditional healthcare options, Private Medical Insurance isn’t just about treating illness - it’s about protecting your health, your time, and your peace of mind. With faster access to treatment, the ability to choose your healthcare path, and a more comfortable experience overall, it’s an investment that ensures your health never takes a back seat.
When every moment counts, Private Medical Insurance is there to provide the quality, care, and confidence you and your family deserve.
Policies are typically made up of two core elements: core cover and additional extras.
Core cover:
- Cancer Cover (with most insurers)
- In Patient Cover
- Day Patient Cover
- Digital GPS
Optional extras:
- Travel
- Outpatient Cover
- Dental
- Optical
- Mental Health
- Therapies (such as physiotherapy, osteopathy and chiropractic)
Why choose Private Medical Insurance?
- Healthcare, when you need it most
Bypass long NHS waiting lists, leading to faster diagnosis, treatment and recovery. - Choice of Specialists and Hospitals
Choose from a network of trusted consultants and hospitals, providing peace of mind that you are always getting the best possible care. - Private, Comfortable Facilities
In most cases, PMI cover gives patients access to private rooms and facilities for a more comfortable experience. Being in a quiet, private space can contribute to faster recovery and better rest. - Access to Treatments and Specialist
Get access to the latest treatments and procedures which are not always available on the NHS. Access to specialist is vital for quicker diagnosis and treatment. PMI ensures appointments are scheduled much faster than in the NHS.
Why Compare Before Renewing Your Health Insurance
Before renewing your existing PMI policy, it’s worth comparing other options. Many insurers increase premiums or limit coverage upon renewal, meaning you could be missing out on better deals.
- Avoid Price Increases
Don’t pay more than you need to get a fresh quote to secure better rates. - Improved Coverage
Health needs change, and newer policies may offer better or more comprehensive coverage. - New Providers
You might gain access to a broader network of hospitals and specialists by switching providers.
Frequently Asked Questions
Take a look through some of our most frequently asked questions
- Long NHS waiting times and delays in procedures are often what prompt people to explore Health Insurance options. However, coverage for existing conditions varies depending on your plan and can be unlikely.
- If you have a pre-existing condition, it’s best to speak with your policy advisers. They can guide you through the available underwriting options and help find the right solution for your specific needs.
Cancer cover is usually included within the core cover of all policies. Health Insurance gives you the peace of mind that should one of your family be affected by the disease you can have access to some of the best cancer care and superior comfort and choice throughout treatment. It is important to compare cancer cover between policies as what is included within the core cover can vary.
However, most policies will include the following:
- radiotherapy
- chemotherapy
- surgery
- consultants’ fees
- out-patient treatment
- home nursing
- cash benefits if treated by the NHS
Health Insurance is not intended for covering emergencies or chronic conditions. Chronic conditions are long term illnesses which you won’t recover from, such as asthma or arthritis. Typical things which are not regularly covered by a health insurance policy are:
- Pre-existing conditions
- Emergency treatment
- Treatment for Alcoholism or Substance addiction
- Chronic/long-term conditions
- Cosmetic surgery
- Gender reassignment
- HIV/AIDS
- Fertility treatment
- Pregnancy and childbirth costs
- Organ transplants
- Private Medical Insurance is intended to complement the services provided by the NHS, not replace them. The NHS provides a good service for millions of people in the UK today those who want a faster, more convenient level of treatment for themselves and their families choose health insurance.
- However, some things aren’t covered by Health Insurance and are better taken care of by the NHS including A&E and maternity services. The NHS handles these elements, while health insurance takes the strain off the system by treating acute conditions quickly and effectively.
You can during the ‘cooling off period,’ something that all insurers have. This usually lasts between 14 and 30 days, allowing you to cancel your policy and any monies debited will be fully refunded. Should you wish to cancel outside of the 'cooling off period', you will need to notify your insurer.