Personal protection
Private Medical Insurance gives you access to private healthcare treatment, specialists, and hospitals, helping you get diagnosed and treated faster when it matters most.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
Most policies exclude pre-existing conditions, at least in the first instance, though some insurers offer options to include certain conditions after a moratorium period. An adviser can explain what applies to your circumstances.
Many policies let you choose from a network of private hospitals and consultants, and some plans offer wider choice than others, which can affect the premium.
No, it works alongside the NHS. It's typically used for diagnosis and treatment of acute conditions, while emergency care and long-term chronic conditions are usually still managed through the NHS.
Your age, health, the level of cover, the hospital list you choose, and any excess you agree to pay can all affect the premium. Getting a personalised quote is the best way to see likely costs.
Tell us what matters to you and one of our advisers will help you explore your options.