Individual private medical insurance (PMI) gives you access to private diagnosis and treatment without relying on NHS waiting times. You choose your hospital, your consultant, and when you're seen. We'll match you with a specialist adviser who finds the right level of cover at the right price.
What individual PMI typically covers
- Fast-access specialist consultations and referrals
- Diagnostic tests, MRI and CT scans
- In-patient and day-patient treatment
- Surgical procedures
- Cancer treatment and care (on most policies)
- Mental health support (on many modern policies)
Why choose individual PMI?
NHS care is excellent, but waiting times for non-emergency treatment can be lengthy. Individual PMI means you're diagnosed faster, treated in comfortable private facilities, and back on your feet sooner — without impacting your work, family commitments or quality of life.
How to tailor your cover
Premiums and cover levels vary widely. Your adviser will help you choose the right hospital list, excess level, and optional extras (dental, optical, therapies) to match your needs and budget. Small changes to your excess can make a significant difference to your premium.
What you might need to hand
- Details of any existing health insurance or employer healthcare
- A summary of any ongoing health conditions
- Your preferred hospitals or consultants
- An idea of the budget you have in mind