Private medical insurance opens access to private treatment alongside the NHS, with faster consultant appointments, a choice of hospital and private rooms during in-patient stays. PMI is complementary to NHS care rather than a replacement. A broker will compare policy tiers so funded treatments and hospital lists match what matters most to you.
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Core features available across UK private medical insurance plans
PMI funds out-patient consultations with recognised private specialists, often available within days of referral. Faster access supports earlier assessment for eligible acute conditions. Cover is subject to underwriting and excludes pre-existing conditions unless specifically agreed at the outset of the policy.
Comprehensive plans let policyholders pick from an approved list of private hospitals across the UK. Selecting a wider hospital list may suit those wanting flexibility on location or facilities. A broker can compare network sizes across insurers based on your preferred area.
In-patient cover funds private accommodation where available, alongside nursing care and any prescribed in-hospital treatment. Private treatment runs alongside NHS care, not instead of it, and emergency care typically remains with the NHS. Compare quotes to match plan features to expected use.