Frequently Asked Questions

What is private medical insurance?

Private medical insurance is health insurance that enables you to receive quick, quality care if you are suddenly sick or injured.

What does it cover?

Private medical insurance covers a multitude of things a few of which are listed below:

  • Consultation fees with a specialist,

  • Specialist fees up to the plan limit,

  • Diagnostic tests, such as ECGs, X-rays, CT, PET, and MRI scans etc...

  • Radiotherapy/Chemotherapy,

  • Referrals for physiotherapy, chiropractic treatment , and osteopathy,

  • Hospital fees at the hospital of your choice within your plan list.

Are there any additional benefits?

There are many optional benefits not listed here that may be added to a plan if you so choose. Some plans offer extra discounts but these vary according to each specific plan and provider.

What does it exclude?

Private medical insurance does not include coverage for pre-existing medical conditions. Pre-existing conditions can be defined as any disease, illness, or injury you have previously displayed symptoms of, received medical treatment for, or been diagnosed with in the five years before your application date.

There are also some long-term conditions that will not be covered regardless of the plan chosen, for example: diabetes.

How do I know if I’m eligible?

If you’ve resided in the United Kingdom for more than six months and are between the ages of 18 and 65 there is a good chance you may be eligible.

The best way to find out if you are eligible is to fill out a quote request here that will put you in touch with one of our licensed specialists that will be able to help you determine if private medical insurance is right for you.

Are there any age limitations for applicants?

Yes. Applicants must be between the ages of 18 and 65.

Do you cover pre-existing conditions?

Pre-existing conditions—any disease, illness, or injury you have previously displayed symptoms of, received medical treatment for, or been diagnosed with—are not covered if you have received advice or treatment in the five years before your application date. If you do not receive treatment or advice for your condition for two years after signing up for coverage the exclusion rule may not apply.

Can I choose my own hospital?

Depending on the plan you have chosen you can visit any hospital you desire that is listed on your plan list.

Can I see any doctor I choose?

Again, depending on the plan you have chosen you can visit any doctor you desire that is listed on your plan list.

Will the fees for specialists be covered?

While many specialist fees are covered some may not be. Your licensed specialist will be able to assist you in determining precisely what will and what won’t be covered in your plan so that you can be comfortable with the coverage in place before applying.

Who can apply?

Any resident of the United Kingdom between the ages of 18 and 65 can apply.

How do I apply?

To begin the application process you must first submit a quote request. Once we have verified your basic information we can begin searching through hundreds of policies to determine which PMI plan will provide you the best possible coverage for the most affordable price. When a plan has been chosen one of our licensed specialists will be able to guide you through the application process.

Is it possible to switch coverage from healthcare providers?

Absolutely, however there will typically be additional medical questions in order to process your application.

When will coverage begin?

Coverage can begin as soon as your application is approved. If you prefer to you may also choose to defer the start of your coverage for up to three months.

Can I choose my level of coverage?

Yes. By allowing you to tailor a health insurance package to suit your needs you have to ability to balance coverage options with the budget most affordable for you.

Individual health insurance

Bypass lengthy NHS waiting times and get the care you and your family needs with a private healthcare plan.

Learn more ›
Business health insurance

A successful business relies on each and every employee. Keep your workforce healthy with a right healthcare plan.

Learn more ›

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