Private Medical Insurance (PMI)

Private Medical Insurance covers the cost of private healthcare, helping you avoid NHS waiting lists and get access to prompt, flexible treatment. It covers consultations, diagnostic tests, hospital stays, surgery, and ongoing therapies depending on the level of cover you choose.

You pay a monthly premium, and in return, your insurer covers the costs of eligible private medical treatment if you fall ill or are injured. Depending on your policy, you can benefit from:

• Faster access to treatment and diagnosis

• Choice of private hospitals or consultants

• More control over when and where you’re treated

• Private rooms and improved comfort during hospital stays

Policies vary, but typical PMI includes:

• In-patient and day-patient treatment • Outpatient consultations and scans (MRI, CT)

• Cancer treatment

• Mental health support

• Physiotherapy and post-treatment care

Add-ons like dental, optical, and travel insurance may also be available.

• Individual policies – for your own personal cover

• Family cover – protect your partner and children

• Company/business health plans – ideal for employers

Premiums depend on your age, medical history, level of cover, and excess amount, postcode and hospital lists. Policies are typically renewed annually. You can choose to adjust your coverage to suit your budget — such as limiting outpatient cover or adding an excess to lower your cost.

PMI can be a valuable option if:

• You want quicker access to consultants or surgery

• You prefer private hospitals and appointment flexibility

• You want coverage for treatments not always available on the NHS

• You travel frequently and want international cover

1. Speak to your GP and get a referral

2. Contact your insurer for pre-authorisation

3. Attend your appointment and get treated privately

4. The insurer settles the bill directly (in most cases)

We compare plans across trusted UK insurers to find one that fits your health priorities and budget. Paying more doesn’t always mean better — our advisers will help you understand your options clearly and select the right cover.

Q: Can I use PMI and still use the NHS?

A: Yes, private insurance complements NHS care — you can use both as needed.

Q: Do I need a medical exam?

A: Not usually. Most policies are underwritten based on your health history or a moratorium period.

Q: Does it cover existing conditions?

A: Pre-existing conditions may be excluded, but some providers offer coverage after a period of no symptoms.