Private Medical
Insurance

Private medical insurance (PMI) or private health insurance is a policy that covers the cost of private medical care should you become unwell. It works alongside the NHS and can provide access to shorter waiting times, a choice of location for treatment and treatments only offered privately. A monthly premium is paid to the insurer, then the policy subsidises the cost of certain private treatment you may need during the policy, such as consultations or surgery.

Private Medical Insurance is designed to provide cover for non-routine tests and treatment for acute conditions. These are conditions that are serious but curable and usually short-lived, and which start after your policy begins. Consequently, many chronic, often incurable conditions, as well as pre-existing conditions will be excluded.