Skin Cancer Cover Through Private Health Insurance

Private medical insurance can fund a private skin cancer check for new moles or lesions of concern that appear after a policy starts. Faster access to private dermatology means a changing mole, family-history concern or suspected melanoma can be assessed within days rather than the 12-18 weeks typical for an NHS non-urgent dermatology referral. Pre-existing skin cancers and previously diagnosed melanoma are not generally covered, but PMI is designed to give future protection and fast access for new lesions and concerns that arise during the policy term, alongside NHS care rather than replacing it.

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What Skin Cancer Check Cover Typically Includes

Cover applies to new moles, lesions and skin concerns arising after the policy start date.

Specialist Consultations & Dermoscopy

PMI typically funds private dermatology appointments and full-body mole checks once your GP refers you, often within days of referral. A consultant dermatologist examines new or changing moles using dermoscopy and skin mapping to identify lesions needing further investigation. A private consultation with mole check is typically around £150–£350 to pay for yourself, with dermoscopy and skin mapping a further £150–£500 self-pay — PMI funds the consultation pathway for new concerns, subject to policy terms.

Biopsy & Pathology

Cover commonly includes skin biopsies and laboratory pathology where a lesion looks suspicious. Removal and analysis can be funded as part of the same investigation pathway, with results returned in days rather than weeks. A private biopsy with pathology is typically around £250–£700 to pay for yourself at a clinic, and PMI funds the eligible diagnostic step as part of the same workup. Earlier results support earlier decisions on treatment, which can matter where melanoma is suspected.

Lesion Removal & Treatment Pathway

Eligible follow-up treatment may include mole excision, lesion removal and wider surgical care for confirmed skin cancers diagnosed after the policy start. Mole removal and excision typically cost around £200–£695 to pay for yourself, and skin-cancer excision surgery is typically around £1,500–£2,200+ self-pay. PMI funds the eligible pathway end-to-end for new diagnoses, subject to policy limits and hospital lists which vary between insurers. The specialist brokers compare cover across a panel of leading UK insurers.