Online GP Access Private Medical Insurance

Average NHS GP waits in the UK run 2 to 4 weeks for non-urgent appointments, while standalone private online GP services typically cost around £25–£90 per consultation to pay for yourself, rising to roughly £140 for longer appointments. Most UK private medical insurance plans include video GP appointments as part of core cover at no extra cost, plus the full PMI benefits behind it. Onward referrals trigger specialist consultations, diagnostics and treatment for new conditions arising after the policy starts. Pre-existing conditions are not generally covered, and PMI works alongside the NHS rather than replacing it.

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What Online GP PMI Cover Typically Includes

Video GP and referral pathway features available across UK private medical insurance plans.

Video GP Within 48 Hours

Most UK private medical insurance plans include unlimited video GP appointments as part of core cover, often available the same day or next day. Consultations are booked through the insurer's app, run by GMC-registered UK GPs and cover the same range of issues as a high-street surgery, from infections and skin problems to mental health concerns and longer-term symptoms. Unlike standalone private online GP services, where you would typically pay around £25–£90 per visit yourself, the insured pays nothing per appointment.

Onward Referrals And Self-Referral

If the video GP feels a specialist review is needed, an open or named referral is issued so the policyholder can book a private consultant under their PMI benefits. Many plans also offer self-referral routes for physiotherapy and mental health support, removing the need for a separate GP visit. Cover for the onward pathway applies to new conditions arising after the policy start date, with pre-existing conditions excluded. Specialist brokers compare which insurers include self-referral and how generous out-patient limits are.

Prescriptions And 24/7 Advice

Video GPs can issue private prescriptions and fit notes during the appointment, with medication delivered to a local pharmacy or to the home depending on the insurer's partner network. Most plans also include a 24/7 health advice line staffed by nurses for out-of-hours questions, second medical opinion services for serious diagnoses, and digital symptom checkers. The full package frames PMI as both a speed play against NHS GP waits and a complete private healthcare route for new conditions.