How To Go Private With Health Insurance

You don't have to choose between private healthcare and the NHS — most people use both. Private medical insurance sits alongside NHS care, giving faster access to specialists for non-urgent conditions while keeping all your existing NHS rights. Compare leading UK insurers to find cover that fits.

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How PMI Works Alongside The NHS

Three things to know when arranging private cover while keeping NHS access.

You Keep Full NHS Access

Private medical insurance never removes NHS entitlement. You stay registered with your NHS GP and can use NHS services for emergencies, chronic conditions and ongoing care exactly as before. PMI simply adds a faster lane for non-urgent specialist treatment.

Faster Specialist Access

Once you have private cover, you can ask a GP for a referral to a private specialist for non-urgent conditions. Insurers arrange the consultant, hospital and treatment. Many people see a specialist within days rather than waiting on standard NHS referral times.

Use Both Together

Most UK adults with PMI use NHS for GP visits, A&E and chronic care, then PMI for faster specialist appointments and elective procedures. You can move between the two freely; private treatment does not affect your NHS entitlement at any time.