Private Medical Insurance
Faster access to diagnostics, consultants, and treatment — so you can get back to health and back to life.
NHS waiting lists are at record highs, and the difference between a two week wait and a six month wait can change the course of a diagnosis. As a whole of market adviser with over 20 years of experience, I help individuals, families, and business owners across Essex and the UK put Private Medical Insurance in place at the right level of cover and the right price.
Private Healthcare, Without the Guesswork
Private Medical Insurance policies vary enormously — from budget cover focused on surgery and in-patient care, through to comprehensive plans covering out-patient diagnostics, mental health, and even dental. I’ll take the time to understand your priorities, compare the whole market, and recommend a policy that matches your actual needs rather than a one-size-fits-all package.
What to Expect
- Free initial chat to understand your priorities and budget
- Advice on the difference between in-patient, day-patient, and out-patient cover
- Whole of market comparison across a wide panel of major UK PMI providers
- Individual, family, and business PMI options
- Guidance on underwriting choices — moratorium, full medical, and switch terms
- Support with excesses, co-payments, and hospital lists to manage premiums
- Full application management and ongoing annual reviews
FAQs
What does Private Medical Insurance actually cover?
Typically it covers diagnosis and treatment of new, acute medical conditions that arise after the policy starts. That usually includes consultant appointments, scans, surgery, and hospital stays. Pregnancy, chronic conditions, and cosmetic procedures are generally excluded.
Can I use PMI alongside the NHS?
Absolutely. Many clients use the NHS for GP care and emergencies, and PMI for faster diagnostics, specialist consultations, and elective surgery. I’ll help you structure cover to complement rather than duplicate the NHS.
Will pre-existing conditions be covered?
That depends on the underwriting option. Full medical underwriting makes exclusions clear up front, while a moratorium approach excludes anything you’ve had in the last five years until you’re symptom and treatment free for a set period. I’ll walk you through the trade-offs.
How much does PMI cost?
Premiums vary with age, location, level of cover, excess, and hospital list. Slimmer hospital lists and higher excesses can reduce premiums significantly. I’ll show you how each lever affects the price so you can land on cover that feels like real value.
Can my business pay for my Private Medical Insurance?
Yes. Many companies offer PMI as a benefit in kind for directors and employees. I can arrange individual, small group, or SME schemes, and work with your accountant to make sure the tax treatment is handled cleanly.