Is private health insurance worth it in the UK?

For most working-age UK adults, private medical insurance is worth it: it converts an average 64-week NHS wait for planned surgery into an average 12-day private wait, and full cancer cover funds licensed non-NICE drugs the NHS may deny. It is rarely worth it if you have significant pre-existing conditions PMI won't cover.

• Does PMI replace the NHS? — No — it sits alongside. You keep NHS access for emergencies, primary care, chronic disease and everything not covered privately.
• Will I still pay National Insurance? — Yes. Having PMI does not reduce your NI contribution — the NHS remains funded from general taxation.

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.