Private medical insurance.
Faster access. More choice.
When your health needs attention, waiting can be the hardest part. Private medical insurance can give you quicker access to diagnosis and treatment.
What is private medical insurance?
Private medical insurance (PMI), sometimes called health insurance, helps pay for private healthcare for eligible conditions. It's designed to cover acute conditions — illnesses or injuries that are likely to respond quickly to treatment — that start after your cover begins.
Depending on your plan, it can give you a choice of specialist and hospital, more convenient appointment times and, in many cases, access to treatments and services you might otherwise wait longer for.
How private medical can help.
Features vary between insurers. We'll explain exactly what each option includes.
Quicker diagnosis
Get seen and investigated sooner, helping put your mind at rest.
Choice of hospital
Choose from a list of hospitals and specialists approved by your insurer.
Tailored cover
Build a plan with the right level of outpatient, therapies and mental health cover for you.
Manage your premium
Options such as an excess or a guided consultant list can help keep costs down.
Digital GP
Many plans include round-the-clock virtual GP appointments.
Individual or family
Cover just yourself, or add your partner and children.
Who it's for.
- Anyone wanting faster access to treatment
- Self-employed people who need to get back to work quickly
- Families wanting choice and convenience
- Business owners considering cover for staff
Things to consider
- Pre-existing and chronic conditions are generally excluded.
- Your choice of underwriting — moratorium or full medical — affects what's covered.
- Premiums usually rise with age and may change at renewal.
That's exactly why advice matters — we'll talk you through the detail.
Get a personalised private medical quote
Free, no-obligation and tailored to your circumstances.
Getting covered is easy.
Getting the right protection shouldn't be complicated. Here's how we help.
Talk to us
Tell us about you, your family or your business in a free, relaxed conversation — by phone, video or in person.
Get a clear recommendation
We research the options and explain what we recommend, why, and what it costs — in plain English.
Cover in place, and beyond
We handle the paperwork, keep your cover under review and are here to support you if you ever need to claim.
Private Medical Insurance FAQs
What does private medical insurance cover?
It typically covers private treatment for acute conditions that begin after your policy starts. The exact cover depends on the plan and options you choose, which we'll explain clearly.
Are pre-existing conditions covered?
Usually not, at least initially. How pre-existing conditions are treated depends on the type of underwriting you choose. We'll explain the options so there are no surprises.
How can I reduce the cost?
Choosing an excess, a narrower hospital list or a more focused level of outpatient cover can all help. We'll help you find the right balance between cost and cover.
Can my business provide health cover for staff?
Yes. Company health schemes can be a valued employee benefit. Speak to us about options for your team.
Let's talk about private medical.
Book a free, no-obligation consultation. We'll explain your options clearly and help you choose with confidence.
Free initial consultation · No obligation · Friendly, plain-English advice
The information on this page is for general guidance and isn't personal advice. All cover is subject to the insurer's terms, conditions, exclusions and underwriting. Tax treatment depends on individual circumstances and may change.