Private Medical Insurance is designed to cover the costs of private medical treatment.

Private medical insurance means you get treated quicker than going on the NHS. Like all insurance the cover you get will vary but basic private medical insurance can pick up the costs of most in-patient treatments (such as tests and surgery), day-care surgery and sometimes, out-patient treatments (such as specialists and consultants).

Cover can be purchased on a full medical underwriting basis, which means you will be asked a number of questions about your health and, based on the information you provide, the insurer will decide the conditions of your cover. You can also apply for cover on a moratorium basis, which means you will not be asked any questions about your health but if you have suffered from any health conditions in the last five years these will automatically be excluded from your initial cover.

Why buy private medical insurance?
Most people buy this type of insurance to: