PremierPMI 020 4525 0884  ·  Speak to a Broker

Yes — most pre-existing conditions can be covered by UK PMI. Moratorium, FMU, CPME and Personal Medical Exclusions explained with real placement outcomes.

Can I get private health insurance with pre-existing conditions?

Yes. Most pre-existing conditions can be covered by UK PMI, either automatically after two symptom-free years (moratorium), by declaration and insurer decision (FMU), or by carrying existing exclusions across from another insurer (CPME). The Exeter Health+ is the standout insurer for challenging histories.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.

Speak to a UK PMI broker

PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.