Compare Private Medical Insurance
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Independent advice on private medical insurance. We compare the UK’s leading insurers and call you back with clear, jargon-free options, no cost, no pressure.
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We compare cover from the UK's leading insurers
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Three simple steps to the right cover
No jargon, no hard sell. Just a straightforward process led by a real, qualified adviser.
Request a callback
Leave your name and number using the form. It takes less than a minute, we only ask for what we genuinely need.
Talk it through
A qualified adviser calls at a time that suits you to understand your needs and answer your questions, plainly.
Compare & decide
We compare quotes across leading insurers and present clear options. The decision is always yours, no pressure.
The straightforward choice for private cover
We’re independent advisers, not a price-comparison machine. Real expertise, on your side.
Whole-of-market
We compare across the UK’s leading insurers, so you see options that genuinely fit, not just one provider’s pitch.
Honest, expert advice
Qualified advisers explain the detail in plain English and recommend only what’s right for your circumstances.
No cost to you
Our advice is free and there’s never any obligation. We’re paid by the insurer only if you choose to go ahead.
Care that fits around your life, not a waiting list
Private medical insurance means faster answers and treatment in comfortable surroundings, with a real person on the end of the phone whenever you need to talk it through.
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Skip the long waitsRapid access to diagnosis and treatment, often within days rather than months.
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Your choice of hospital & consultantComfortable private rooms and continuity of care from a specialist you choose.
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A real adviser, alwaysSpeak to a qualified human who explains your options plainly, never a call centre script.
Frequently asked questions
Straight answers to the questions we hear most. Still unsure? Ask your adviser, that’s what they’re there for.
Will my pre-existing conditions be covered?
On most personal policies, pre-existing conditions are not covered as standard. Depending on the underwriting you choose, a condition may become eligible again once you’ve been symptom-free and treatment-free for a continuous period (often two years) — that’s called a moratorium. We’ll explain exactly how each insurer treats your history before you commit.
We're a business — are pre-existing conditions covered?
Often, yes. Group and business schemes can be set up on a “medical history disregarded” basis, which will likely cover pre-existing conditions from day one — but not always. It depends on the size of the scheme, the insurer and how the policy is structured. We’ll find the right approach for your team and flag anything that wouldn’t be included.
What isn't covered by private medical insurance?
PMI is designed for acute conditions — problems that come on and can be cured. It generally won’t cover the ongoing management of chronic conditions, accident & emergency care, routine pregnancy and maternity, cosmetic treatment, or (usually) pre-existing conditions. Cover varies by insurer and policy, so we always talk you through the exclusions that matter for you.
Will I need a medical examination to take out cover?
Almost never. Most policies use moratorium underwriting, which needs no medical exam and no lengthy forms — your recent medical history is simply taken into account if you claim. Full medical underwriting asks you to declare your history up front instead. We’ll recommend whichever suits you and handle the paperwork.
How quickly can my cover start?
Cover can usually begin within a few days of accepting a quote — sometimes the same day. Once you’re happy with the recommendation, your adviser sorts the set-up and confirms your start date in writing.
Can I choose my own hospital and consultant?
Yes — most policies let you choose from the insurer’s approved hospital list and see a specialist of your choosing, subject to referral. If a particular hospital matters to you, tell your adviser and we’ll make sure it’s on the list before you choose a policy.
Ready to find the right cover?
Request a free, no-obligation callback. A qualified adviser will be in touch at a time that suits you.