Private Medical Insurance (PMI) for UK Families

Private Medical Insurance

See a specialist without joining the NHS queue.

Private medical insurance pays for private treatment when you get a new illness or injury. Here is what it covers, what it does not, and what changes the price.

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We arrange cover with

Newillnesses and injuries after you join

GP firstmost insurers want a referral

Not A&Eemergencies stay with the NHS

Kidscan usually be added to your plan

What it usually covers

It sits alongside the NHS, not instead of it. You still use your GP and A&E.

Specialist appointmentsSeeing a consultant once your GP has referred you.

Scans and testsMRI, CT and blood tests to find out what is wrong.

Hospital stays and surgeryTreatment, room and operating costs at an approved hospital.

Cancer treatmentIncluded on most plans. How much is covered depends on the plan.

Mental health supportIncluded on many plans and optional on others.

Physio and therapiesUsually up to a set limit each year.

What it normally does not cover

Know this before you buy. It saves a bad surprise at claim time.

Conditions you already haveDepends on how the insurer treats your health history. We explain this before you buy.

Long-term conditionsIllnesses like diabetes, asthma or arthritis that need ongoing care.

A&E and emergenciesThese stay with the NHS.

Routine pregnancy and childbirthThese are not normally covered.

Cosmetic surgeryTreatment that is not medically needed.

How a claim works

See your GPMost insurers ask for a GP referral to a specialist.
Call your insurerThey check your plan covers it and give you a go-ahead.
Get treatedBook your appointment and treatment at an approved hospital.
Insurer paysThey normally pay the hospital directly. You pay your excess, if you chose one.

What changes the price

Your ages and where you live matter too. These are the choices you control.

Your excessThe amount you pay towards each claim. A higher excess usually means a lower price.

Outpatient limitA cap on specialist visits and tests that do not need a hospital bed.

Hospital listSmaller lists of hospitals usually cost less.

Six-week wait optionOffered by some insurers. If the NHS can treat you within six weeks, you use the NHS. The price is lower.

Questions we get asked

Does private medical insurance replace the NHS?

No. You still use your GP and A&E. Insurance pays for private treatment of eligible conditions on top.

Can I claim for something I already have?

Not usually. It depends on how the insurer treats your health history when you apply. We go through this with you first.

Can my children be covered?

Children can usually be added to a parent's plan.

Will the price go up?

Prices usually rise as you get older, and insurers can change prices each year.

How much does it cost?

It depends on your ages, where you live, the cover you choose and your excess. Ask us for a quote.

Is it right for you? Start here, then look at the other cover for your family.

Who it is for and not for Pre-existing conditions PMI explained in full Life Insurance Critical Illness Cover Income Protection Family Income Benefit Mortgage Protection

Want a price for your family?

Tell us who needs cover and we will come back with options.