Income Protection
Replace your income while you recover — PMI gets you treated faster, income protection keeps the bills paid.
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Private Medical Insurance
Private medical insurance (PMI) gives you faster access to diagnosis, specialist consultations, and treatment — with more control over where you’re treated and who treats you. We compare plans from the UK’s leading providers to find the right cover for your needs.
Get a free quoteNHS waiting lists continue to grow, with many patients facing months or even years for routine procedures. Private medical insurance offers an alternative route — giving you access to private hospitals, shorter waiting times, a wider choice of specialists, and a more comfortable treatment experience. It’s not about replacing the NHS; it’s about having options when you need them most.
What PMI typically covers
Most comprehensive plans include the following as standard. Budget plans offer a core selection.
In-patient & day-patient
Hospital stays, surgery, and procedures that require a bed or theatre time — the core of most PMI policies.
Out-patient consultations
Specialist appointments, diagnostic tests, scans (MRI, CT, X-ray), and follow-up consultations without a hospital stay.
Cancer & specialist treatment
Many policies cover cancer treatment including chemotherapy, radiotherapy, and targeted therapies, alongside cardiac, neurological, and musculoskeletal care.
Personal or business?
PMI can be arranged for individuals, families, or as a company benefit for employees.
Personal & family PMI
Cover yourself, a partner, and your children on one plan. Choose from budget, mid-range, or comprehensive options depending on your priorities. Premiums can be reduced with higher excesses, guided referral options, or by limiting your choice of hospital network.
Business PMI
Offering PMI as an employee benefit helps attract and retain talent, reduces absenteeism through faster treatment, and demonstrates genuine duty of care. Premiums paid by the company are typically a tax-deductible business expense. We arrange group schemes for businesses of all sizes.
Frequently asked questions
Does PMI cover pre-existing conditions?
Most policies do not cover pre-existing conditions — that is, conditions you’ve had symptoms of, been treated for, or consulted a doctor about in a defined period before the policy starts (typically 5 years). However, some providers offer moratorium-based underwriting where conditions can become eligible for cover after a symptom-free period. We’ll explain the options clearly.
What’s an excess and how does it affect my premium?
An excess is the amount you pay towards each claim (or each policy year, depending on the insurer). A higher excess reduces your premium — often significantly. Typical options range from £0 to £500+. We’ll help you find the right balance between cost and convenience.
Can I choose my own consultant?
On most policies, yes. You can choose from a list of recognised consultants and hospitals within the insurer’s network. Some budget plans require a GP referral or use a “guided” pathway where the insurer helps direct you to an appropriate specialist.
Which providers do you compare?
We compare plans from Aviva, Bupa, Vitality, The Exeter, AXA Health, and other leading UK providers. Each has different strengths — we’ll match you with the one that best fits your needs, budget, and preferred hospital network.
Complete your protection
PMI works alongside income and life cover for comprehensive financial security.
Critical Illness Cover
A lump sum on diagnosis of a serious illness — covering costs that PMI doesn’t, like mortgage payments or home adaptations.
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Life Insurance
Protect your family with a tax-free lump sum — the foundation of any personal protection plan.
View options →Compare PMI options
We’ll help you choose the right level of cover, excess, and optional benefits — whether for yourself, your family, or your employees.