Channel Islands Health Insurance

Channel Islands health insurance typically costs £80–£200/month for a healthy 40-year-old. Key considerations: local hospital access (Jersey General, PEH Guernsey), UK repatriation cover, and whether the policy is CI-only or worldwide. Bupa Global, AXA Global and CIGNA are the main providers.

• Jersey and Guernsey residents sit outside the UK NHS system. While island health services provide primary and emergency care, complex treatments often require transfer to mainland UK private hospitals — a flight or ferry away.
• Channel Islands PMI products typically include UK repatriation cover for treatments not available locally: tertiary cancer care, complex cardiac surgery, specialist orthopaedics. Some policies also cover worldwide treatment, useful for frequent travellers.
• Provider choice is narrower than UK-resident PMI: Bupa Global, AXA Global and CIGNA dominate. Local CI insurers exist but tend to have more restrictive hospital lists.

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.