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Skip NHS waiting lists and get treatment within days or weeks, not months.
Select your consultant and hospital for personalized care.
Access treatments and drugs not always available on the NHS.
Private medical insurance doesn't replace the NHS - it complements it. Emergency care, GP services, and chronic condition management typically remain with the NHS. PMI is designed for acute conditions that can be cured or significantly improved with treatment.
Full private medical insurance covering inpatient, outpatient, and diagnostic tests
Average cost
£100-250/month
Best for
Complete private healthcare coverage
Covers inpatient treatment and day-case surgery in private hospitals
Average cost
£40-100/month
Best for
Those wanting private hospital care
Covers consultations, tests and treatment without hospital admission
Average cost
£30-80/month
Best for
Quick access to specialists
Specialized coverage for cancer diagnosis and treatment
Average cost
£25-60/month
Best for
Enhanced cancer protection
Private dental treatment coverage beyond NHS provision
Average cost
£15-40/month
Best for
Regular dental care needs
Access to private mental health treatment and support
Average cost
£20-50/month
Best for
Mental wellbeing support
| Aspect | NHS | Private |
|---|---|---|
| Waiting Times | Weeks to months for non-urgent | Days to weeks for most treatments |
| Choice of Specialist | Limited choice, GP referral needed | Choose your consultant |
| Hospital Room | Shared ward usual | Private room standard |
| Treatment Timing | Based on clinical priority | At your convenience |
| Cost | Free at point of use | Monthly premiums + excess |
From
£34
per month
From
£29
per month
From
£32
per month
From
£27
per month
From
£25
per month
Opting for a £500-1000 excess can reduce premiums by 20-30%. Only worthwhile if you rarely claim.
Removing or capping outpatient cover can save 30-40% on premiums while keeping essential hospital cover.
6-week wait option: Use NHS if private treatment isn't available within 6 weeks. Saves 15-20%.
Group schemes through employers are often 40-50% cheaper than individual policies with better coverage.
Pay annually instead of monthly to save 5-8% on total cost. Most insurers charge interest on monthly payments.
Switch providers at renewal for new customer discounts. Can save 20-30% for identical coverage.
In Your 20s-30s
Lower premiums, fewer exclusions
Starting a Family
Peace of mind for dependents
Career Advancement
Can't afford health disruptions
Budget Available
Can you afford £50-200/month?
Health Status
Pre-existing conditions affect coverage
NHS Experience
Local waiting times and quality
Compare quotes from leading UK health insurance providers. Find the right coverage for your needs and budget in minutes.
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