Eligible private care
Depending on the policy, cover may include specialist consultations, diagnostic tests, scans and inpatient or day-patient treatment.
Individual · Family · Company
Private health and medical insurance.
Understand the choices around eligible private treatment, hospital access, outpatient cover and ongoing cost. Based in Edinburgh, advice is available across the UK.
Private medical insurance
What can private medical insurance cover?
Private medical insurance can help with the cost of eligible private consultations, diagnostic tests and treatment, depending on the policy. Advice can help you compare the cover, limits and access that matter most.
What PMI may help with
Choice within a network
Hospital lists, approved specialists and outpatient limits vary, so the useful option is the one that fits how and where you would seek care.
Cover for different needs
Individual, family and company arrangements can be explored, with benefits and cost shaped around your priorities.
Important to know
PMI works alongside the NHS. Emergency care remains with the NHS, while pre-existing, chronic or ongoing conditions are often excluded or restricted. Insurer approval is normally required before treatment is arranged.
What shapes the policy
The cheapest option is not always the most useful one.
Choose what matters
Outpatient consultations, diagnostics, therapies, mental health and cancer benefits can differ significantly between policies.
Balance premium and excess
A higher excess, narrower hospital list or lower outpatient limit may reduce the premium, but also changes when and where you can claim.
Know the exclusions upfront
Your medical history and the insurer’s underwriting approach help determine what is covered from the start.
All insurance is subject to eligibility, underwriting, policy terms, exclusions and claim acceptance. Private medical insurance is not a substitute for emergency healthcare.
Take the next step
Find cover that fits your priorities.
Start with who needs cover, what matters most and the monthly budget you are comfortable maintaining.
Arrange a PMI call