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Private medical insurance

Private medical insurance (also called health insurance) can supplement what’s available on the NHS. If you don’t already have it as part of your employee benefits package and you can afford to pay the premiums, you might decide it’s worth paying extra to have more choice over your care.

Private medical insurance - What is it?

Most UK residents are entitled to free healthcare from the NHS.

Health insurance pays all – or some – of your medical bills if you are treated privately. It gives you a choice in the level of care you get and how and when it is provided.

You don’t have to take out private medical insurance – but if you don’t want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions.

Private medical insurance - What does it cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy.

Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.

Some policies extend to out-patient treatments (such as specialists and consultants) and may pay you a small fixed amount for each night you spend in an NHS hospital.

Do you need private medical insurance?

It’s very much a personal choice. You get free treatment on the NHS, so you only really need private medical insurance if:

Get the BEST

We naturally want the best in life that we can get – We book the best holidays that we can afford, we send our children to the best school we can find, drive the best car, eat the best food and we live in the best home we can. Private medical Insurance gives us the option to GET THE BEST medical help we can in the shortest amount of time if we become sick.

You dont have to join the NHS waiting queues !

There are various levels of cover and a number of companies offering different options so it is best to seek advice as to which policy suits your needs the best.

We can help you select the right plan for you / and your family.

Levels of Cover Available


This is normally the most cost effective option. With a basic plan, only limited cover is provided and it usually excludes out-patient cover. Generally therefore, consultant’s fees, diagnostic tests and therapies and out-patient treatments are not covered – unless this results in a later in-patient stay.

These plans suit people who are able to cover the costs of areas such as out-patient consultations themselves.


Standard plans normally provide full inpatient and a number of outpatient treatments including consultations and diagnostic procedures. Complementary medicines may also be covered up to certain limits. These schemes are attractive to a broad range of people looking for PMI but the number of hospitals available may be limited.


Comprehensive schemes will pay for in-patient treatment, outpatient specialist consultations, diagnostic tests and scans. Physiotherapy and complementary therapies are usually covered too. These are top of the range plans suitable for clients wanting complete peace of mind.

The costs of all of the above schemes can often be reduced by taking out voluntary excess or by paying premiums annually. 

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We'll also be happy to advise you about other types of insurance:

If you didn’t find the insurance you were looking for in our selection…

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