Private Medical Insurance
Skip the waiting lists and get diagnosed and treated sooner.
Private medical insurance gives you faster access to diagnosis, specialists and treatment, often in comfortable private facilities. For many people, the reassurance of avoiding long waiting lists is worth the peace of mind.
Cover varies widely between insurers and plans. We'll help you understand the options — from core hospital cover to comprehensive plans — and find one that matches your priorities and budget.
Key features
Faster treatment
Reduced waiting times for consultations, diagnostics and surgery.
Choice of care
Access to private hospitals and specialists across the country.
Tailored plans
Build cover around what matters most to you, from core to comprehensive.
Family cover
Options to protect your partner and children under one plan.
Is this right for you?
This could be a great fit if:
- You want to avoid long NHS waiting lists
- You value quick access to specialists and diagnostics
- You'd like a choice of hospital and consultant
- You want to cover your whole family
Frequently asked questions
Does it replace the NHS?
No — it works alongside the NHS, giving you faster access and more choice for many treatments while emergencies remain with the NHS.
Are pre-existing conditions covered?
Usually not at the outset, though it depends on the insurer and underwriting type. We'll explain the options clearly.
Can I add my family?
Yes, most insurers let you cover partners and children, often at a discounted rate compared with separate policies.
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Tired of waiting for treatment?
Ring us and say who you'd want covered. We'll talk you through what's worth paying for and what isn't, in plain terms.
