Private Medical Insurance (also known as Private Health Insurance and PMI) will pay all, or some, of your medical bills and expenses if you are treated privately as an in-patient in hospital, as an out-patient, or if you need to see a specialist consultant without delay.

The extent to which you and your family are covered will depend on which policy you choose, which is where we can help you.

People choose to buy Private Medical Insurance for variety of reasons. Principal among these is that it can give them:

  • Prompt Referral to a Specialist
  • Treatment at a time that suits them – Scans and Surgery
  • Choice of Hospital and Surgeon
  • Access to Specialist Drugs that might be unavailable on the NHS
  • Bypass NHS waiting lists
  • Safety and security
  • Private room, ensuite, food, TV
  • Convenient appointments
  • Access to new and expensive treatments
  • Unrestricted visiting hours for friends and family
  • Cover for serious illnesses such as cancer

Most of all they buy PMI because it gives them peace of mind.

We can help you choose the right PMI policy that provides the right cover for you and your family at a price you can afford, by going through all the options available to you. We enjoy strong relationships with our PMI providers and have a thorough understanding of their products, so you can trust us to find the one that best suits you.

If you already have Private Medical Insurance we shall be pleased to review your cover and premium for you. We could be able to reduce your premium cost without reducing your level of cover. Please call us to discuss how best we can help.

We are regulated to give advice this means we will review your current policy with you, talk you through your options and gather all of your requirements. If we can make you a saving or improve your cover we will recommend a product that meets your requirements. If we do not feel that it is in your best interests to change insurer we will recommend you stay with your current insurer.


Private Medical Insurance

What is private medical insurance?

Health insurance pays all – or some – of your medical bills if you are treated privately. It gives you a choice in the level of care you get and how and when it is provided.

What does private medical insurance cover?

Like all insurance, the cover you get from private medical insurance depends on the policy you buy. Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery.

What does private medical insurance not cover?

Your insurance usually won’t cover private treatment for:

  • pre-existing medical conditions
  • chronic illnesses such as HIV/AIDs-related illnesses, diabetes, epilepsy, hypertension and related illnesses
  • normal pregnancy and childbirth costs
  • organ transplants
  • injuries relating to professional and semi-professional sports or arising from war or war-like hostilities
  • cosmetic surgery to improve your appearance

Note: other exclusions may apply.

What are the benefits of private medical insurance?

Note: all of this depends on the type of policy you buy.

  • Specialist referrals. You can ask your GP to refer you to an expert or specialist working privately to get a second opinion or specialist treatment.
  • Get the scans you need. If the NHS delays a scan, or won’t let you have one, you can use your cover to pay for it, provided that it is deemed to be medically necessary.
  • Reduce the waiting time. You can use your insurance to reduce the time you spend waiting for NHS treatment.
  • Choose your surgeon and hospital. You can (in theory) choose a surgeon and hospital to suit your time and place – which isn’t possible on the NHS.
  • Get a private room. You can use it to get a private room, rather than staying in an open ward which might be mixed-sex.
  • Specialist drugs and treatments may be available. Some specialist drugs and treatments aren’t always available on the NHS because they’re too expensive or not approved by the National Institute for Health and Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium (SMC).
  • Physiotherapy. You get quicker access to physiotherapy sessions if you have insurance than you would through NHS treatment.

New customers saved an average of 26%, over £600, after talking to IYH*
*Based on a study of policies sold 2015 83% of customers made a saving and 1 in 3 new customers saved 26% or more.

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Don’t just take our word for it.. read some of the thanks and praises that have been sent by just a couple of our clients.

I would like to thank Insure Your Health for the service provided. You have come to my assistance over the last two years and I am very happy with the outcome. I will recommend your company to my friends and family and thank you once again for your help and support.
W Quinell

W Quinell

I am writing to inform you of my satisfaction in dealing with one your team… I acknowledge Randolph’s professionalism, high standard customer service skills and empathy. I feel that it is very important for your company to know the talented and skilled staff that you have.
E Nutakor

E Nutakor

May I say many thanks for assisting me in making the decision to move my insurance cover. I found your team very understanding… I spoke to your team very late in the working day and managed to obtain a more beneficial quote after having everything explained to me.
A Sweetman

A Sweetman

In line with FCA regulations, all advice given to customers has to be in the customers best interest and all of our advisors are trained and monitored to ensure best advice is given.