How does Private Medical Insurance Work in the UK?

In the UK private medical insurance is designed to pick up from the point of a GP of specialist referral for consultations, tests or treatment. 

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What is Health Insurance and what does it cover?

Private medical insurance (PMI), also known as health insurance, is designed to cover you for the cost of private medical treatment for acute conditions. Some benefits of having private medical insurance cover include:

  • Access to faster treatment than on the NHS.
  • Control over when, where and who you are treated by.
  • Giving acces to a private room rather than being on a busy ward.


What is a specialist health insurance broker?


Which is the best health insurer?


How much does private health insurance cost?


Should I consider a medical exclusion on my policy?