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Affordable Private Medical Insurance

By Heather Blackmore | Last updated 04/02/2021


What does a PMI policy cover?

Private medical insurance (PMI) is typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from PMI depends upon the policy that you buy. Learn more here about treatments and plans for private health insurance. Basic cover will usually pick-up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants).

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If I become sick, can I avoid waiting in NHS queues?

With a PMI policy in-place you'll have priority access to expert private medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the NHS does an amazing job, queues are inevitable for all but the most acute medical emergencies, and PMI policies are often taken to avoid those queues in the future.

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But I'm healthy, so why would I need Private Medical Insurance?

A PMI policy, like all insurance policies, is your protection against the future and not the present. There's no better time to take PMI than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock-in your good health.


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What are the top treatments claimed for?

To give you an indication of the treatments private health insurance is used for, the greatest number of claims Bupa received in 2017 were as follows:

1. Musculoskeletal problems (eg, back or neck pain)
2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
4. Cancer
5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)

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Insurance details published on this site are for information purposes only and do not constitute financial advice nor financial promotions under the Financial Services and Markets Act 2000 or The (Financial Promotions) Order 2005. By Submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Health Window (a trading style of Magnetise Media Ltd) may send the details of this enquiry to an appropriate FCA authorised financial agent for the purpose of providing health insurance quotes, and 3) the agent may contact you for further information as required. Premiums may vary depending on each individual’s circumstances. Magnetise Media Ltd is registered with the ICO No: Z1251409 in relation to the Data Protection Act 2018. Privacy/Cookie Policy.

We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an FCA authorised financial agent who works with a limited number of providers. We are happy to introduce you to an alternative agent upon request. Furthermore, we take care to make sure that the information and material appearing on this website is accurate and up-to-date. However, errors and omissions may occur and you should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. Some products are only available from selected providers and intermediaries. Healthwindow is not an insurance company, but provides you with a free service that matches you to an FCA authorised financial agent who will help you compare UK providers and provide you with a FREE no-obligation quote.

*12.77% of our customers can obtain cover at a cost of £14.64 per month (£3.38 per week). This is based on someone living outside of Central London, who is 31 years of age at commencement, and taking out an "Essentials" plan with a nil excess and WPA’s current promotion. The plan covers all eligible in and day-patient treatment. Diagnosis of ailments would need to be arranged by the NHS or self-funded. Other exclusions apply and other plans are available. Analysis based on customer data for 2018.

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