Private Medical Insurance
Private Medical Insurance can give you faster access to treatment and greater choice when it comes to your care. We’ll guide you through your options, so you can choose the cover that feels right for you.
Access to Faster, High-Quality Healthcare
When it comes to your health, waiting isn’t always an option.
Private Medical Insurance ensures you get fast access to diagnosis, specialist treatment, and private healthcare facilities, so you can focus on your recovery without delays.
What is Private Medical Insurance?
Private Medical Insurance gives you access to private healthcare services, reducing waiting times and offering greater choice over your treatment.
With this cover, you can:
✔ See a specialist quickly without long NHS waiting lists
✔ Choose your hospital, consultant, and treatment plan
✔ Receive care in private hospital facilities with added comfort
✔ Benefit from advanced treatments and diagnostic tests
This ensures that, when you need medical care, you can get the right treatment, at the right time, in the right place.
Who Can Apply?
✔ Employed – Access faster treatment options
✔ Self-employed – Avoid long periods off work
✔ Families – Full household cover available
✔ Seeking specialist care – Access advanced treatments
Cover is tailored to your age, health, and lifestyle for the right protection.
Why Us?
✔ Personalised Service
✔ Dedicated Broker
✔ Honest, Straightforward Advice
✔ Access to Leading Providers
✔ Ongoing Support & Policy Reviews
✔ Regulated & Trusted
What Is/Is Not Covered? (Core Cover)
✅ Conditions Covered
Private Medical Insurance typically includes:
🩺 Consultations with private specialists
🧪 Diagnostic tests, scans, and imaging
🏥 Surgery and hospital treatments for acute conditions
🧠 Mental health services, including therapy and counselling
💪 Physiotherapy and rehabilitation
🎗️ Cancer treatment, including chemotherapy and radiotherapy
Many policies also offer alternative therapies, private ambulance services, and post-treatment care, depending on the level of cover selected.
❌ What's Not Covered
While Private Medical Insurance offers valuable financial protection, there are exclusions, including:
While Private Medical Insurance provides extensive benefits, there are exclusions, including:
❌ Pre-existing medical conditions (unless declared and accepted)
❌ Chronic conditions requiring long-term management (e.g., diabetes, asthma)
❌ Emergency treatment – A&E services remain NHS-based
❌ Routine pregnancy and maternity care
❌ Cosmetic procedures and elective treatments
Options To Adjust Core-Cover To Provide A More Tailored Policy
✅ Add or remove a specified core-element to/from your policy.
✅ Increase or decrease policy excesses to make the policy more affordable.
✅ Add a six-week wait to make the policy more affordable.
✅ Choose your own benefit limit on outpatients.
✅ Add dental treatment cover to your policy.
How Private Medical Insurance Works:
With Private Medical Insurance, you pay monthly or annual premiums to receive access to private healthcare when you need it.
If you require treatment:
📞 Consult your GP and request a private referral
🏥 Choose a hospital or specialist covered by your plan
💷 Your provider covers the cost of eligible treatments
Some policies also include virtual GP services, mental health support, and preventative health checks, helping you stay on top of your well-being.
Why Should I Consider Private Medical Insurance?
Healthcare should be about quality and convenience—not waiting lists.
Private Medical Insurance gives you:
✔ Faster treatment – No waiting months for NHS referrals
✔ Specialist access – Choose the best consultant for your condition
✔ Greater flexibility – Decide where and when to receive treatment
✔ Comfort and privacy – Access to private hospital rooms
✔ Comprehensive mental health support – Including therapy and counselling
If your health is a priority, Private Medical Insurance ensures you get the best possible care—when you need it most.
Make A Claim
If you need medical treatment, the claims process is straightforward:
✔ Visit your GP and request a referral for private treatment
✔ Contact your insurer to confirm your cover and receive approval
✔ Book an appointment with a private specialist or hospital
✔ The insurer covers the cost of eligible treatment, subject to any excess on your policy.
With Private Medical Cover, you get fast access to quality healthcare, ensuring you receive the treatment you need without long delays.
