If you’ve found yourself frustrated by NHS waiting times or wondering what your options are for faster, more personalised healthcare, you’re not alone. More people in the UK are turning to private medical insurance (PMI) than ever before — but what exactly does it cover, and is it really worth the cost?
Let’s unpack how private health insurance works, what it typically includes, and whether it might be a smart choice for you.
What Is Private Medical Insurance?
Private medical insurance is a policy you pay for—either monthly or annually—that covers some or all of the costs of private healthcare. It gives you access to private hospitals, consultants, scans, treatments, and often faster appointments than those available on the NHS.
Depending on your provider and policy, it can include cover for:
Some policies even include perks like 24/7 virtual GP access or discounted gym memberships.
Why Are More People Choosing Private Healthcare?
The UK healthcare system has always leaned heavily on the NHS—but long waiting lists and appointment delays have led many to explore private options.
In fact, searches for private health insurance in the UK have risen by over 80% since 2021, with more than 7 million people now holding a policy. For some, it’s about peace of mind. For others, it’s a practical response to needing quicker diagnostics, surgery, or ongoing treatment.
How Much Does Private Health Insurance Cost in the UK?
The cost varies widely depending on factors like:
For example, a healthy 30-year-old in London might pay around £30–£60 per month, while older individuals or those with more comprehensive cover could see monthly premiums of £100–£200+.
You can often reduce costs by choosing a higher excess or limiting the hospitals you can use.
Is It Worth It? Key Pros and Cons
Here’s a quick look at the benefits and trade-offs:
✅ Pros
⚠️ Cons
Ultimately, it comes down to your personal situation, health needs, and what matters most to you—speed, choice, comfort, or peace of mind.
Who Is Private Health Insurance Best For?
PMI may be a good fit if:
It’s also increasingly popular with young professionals, families, and older adults looking for faster cancer screenings or specialist care.
Final Thoughts: Should You Get Private Medical Insurance in the UK?
Private health insurance isn’t a replacement for the NHS—but it can be a valuable supplement. If you’re looking for faster access to healthcare, more comfort, or the ability to choose your doctor or hospital, then private medical insurance might be worth considering.
As with any financial decision, it’s important to compare providers, read the fine print, and weigh up what’s right for your lifestyle and health goals.
✅ Ready to Explore Your Options?
As a trusted private medical insurance broker, we work with all the leading UK providers to find a policy that fits your budget, your lifestyle, and your health needs—without the jargon or hassle.
👉 Request your personalised quote below — no obligation, no pushy sales calls. Just clear, expert advice to help you make an informed choice.