Private cover, built around you
Individual Health Insurance, also known as Private Medical Insurance (PMI), is cover for one person, giving you access to private diagnosis and treatment when you need it. Rather than waiting on an NHS list, you’re seen quickly, often at a hospital and time that suits you.
It isn’t a replacement for the NHS. Think of it as a fast lane for the things private cover does well – diagnostics, consultants, cancer treatment, surgery – while the NHS continues to handle emergencies, maternity and long-term chronic care.
Every policy is built from a core of standard cover plus optional extras, so it can be shaped around exactly what matters to you.
Cover that flexes around your life
Skip the waiting list
Get seen by a specialist in days, not months.
Choose your hospital and consultant
Treatment on your terms, at a time that suits you.
Cover that flexes with you
Add dental, optical, mental health or therapies cover as your needs change.
We do the comparing, not you
One conversation, and we search the market on your behalf.
Get matched to the right policy – free, and no pressure.
Answer a few quick questions and we’ll find the best individual health insurance option for your circumstances.
Core cover, as standard
How we find your best price
Every insurer prices risk differently, and premiums shift constantly. Rather than publishing generic figures that may not reflect your circumstances, we do the legwork for you.
When you get in touch, we’ll ask about your priorities, your budget, and what matters most in a policy — then compare cover and pricing across our panel of leading UK insurers to find the option that gives you the best value for your specific needs. It’s free, independent, and there’s no obligation to proceed.
Three simple steps
No jargon, no hard sell. Just a straightforward process led by a real, qualified adviser.
Tell us what you need
A few quick questions about you and your priorities
We compare the market
Real quotes from the UK’s leading insurers, side by side
You get a clear recommendation
No jargon, no pressure, just the best fit at the best price
Frequently asked questions
Can I still use the NHS if I have private health insurance?
Yes — private cover works alongside the NHS, not instead of it. Emergencies, maternity and long-term chronic conditions remain NHS-handled; private cover speeds up everything else.
What's the difference between full medical underwriting and moratorium underwriting?
Full medical underwriting asks for your complete medical history upfront and excludes named conditions for the life of the policy. Moratorium underwriting skips the history-taking, but excludes anything you’ve had symptoms or treatment for in the past five years for the first two years of your policy — after which it may become eligible for cover.
Will my premium change over time?
It can, and this is exactly why comparing at renewal — which we do for you, free — often helps policyholders get better value.
Can I insure just myself, or does it have to include my family?
Individual cover is for one person. If you want to cover a partner or children under the same policy, see our Family Health Insurance page.
How much does this cost me?
Nothing — our comparison and advice service is completely free and independent. We’re paid by the insurer once you take out a policy, not by you.
