Private Medical Insurance

Typically, yes. Premiums may rise due to:

• Your age
• Claims history
• Medical inflation (rising healthcare costs)

We can review your cover regularly to ensure it stays cost-effective.

Most policies do not cover:

• Routine GP visits or emergency care
• Chronic or pre-existing conditions (unless declared and accepted)
• Pregnancy and childbirth
• Cosmetic surgery

Exclusions vary, so always check your policy terms.

Private medical insurance covers the cost of private healthcare, giving you quicker access to diagnosis, treatment, and consultations outside of the NHS. It’s designed to reduce waiting times and offer more flexibility over when and where you're treated.

Most PMI policies cover:

• Consultations and specialist appointments
• Diagnostic tests (e.g. blood tests, MRI, CT scans)
• Hospital treatment and surgery
• Cancer care (often with access to advanced drugs not always available on the NHS)

Cover varies by provider and policy, so it’s important to tailor it to your needs.

PMI doesn’t replace the NHS — it complements it. It provides faster access to treatment and more comfort and privacy, but the NHS is still there for emergencies and comprehensive care.