{
  "$schema": "https://premierpmi.co.uk/schemas/facts.v1.json",
  "generated": "2026-07-13",
  "organization": {
    "name": "PremierPMI",
    "legalName": "Tesha Family Ltd",
    "tradingAs": "PremierPMI",
    "founded": "1983",
    "url": "https://www.premierpmi.co.uk",
    "logo": "https://www.premierpmi.co.uk/favicon.png",
    "description": "FCA-regulated, whole-of-market UK private medical insurance broker. Independent advice across Bupa, AXA Health, Aviva, Vitality, WPA, The Exeter and more.",
    "type": "InsuranceAgency",
    "sector": "Private Medical Insurance (PMI) intermediary",
    "areaServed": "United Kingdom",
    "language": "en-GB"
  },
  "regulatory": {
    "regulator": "Financial Conduct Authority",
    "fcaFirmReference": "1029667",
    "companiesHouse": "11417747",
    "companiesHouseUrl": "https://find-and-update.company-information.service.gov.uk/company/11417747",
    "fcaRegisterUrl": "https://register.fca.org.uk/s/firm?id=1029667",
    "professionalIndemnityInsurance": true,
    "fscsProtected": true,
    "membership": ["BIBA"]
  },
  "contact": {
    "phone": "+442045250884",
    "phoneDisplay": "020 4525 0884",
    "whatsapp": "+447515703307",
    "whatsappDisplay": "07515 703307",
    "email": "contact@premierpmi.co.uk",
    "hours": {
      "monday": "09:00-17:30",
      "tuesday": "09:00-17:30",
      "wednesday": "09:00-17:30",
      "thursday": "09:00-17:30",
      "friday": "09:00-17:30",
      "timezone": "Europe/London"
    },
    "address": {
      "street": "36 Glenwood Road, Mill Hill",
      "locality": "London",
      "postcode": "NW7 4LJ",
      "country": "GB"
    }
  },
  "insurerPartners": [
    { "name": "Bupa", "legalName": "Bupa Insurance Ltd" },
    { "name": "AXA Health", "legalName": "AXA PPP Healthcare Ltd" },
    { "name": "Aviva", "legalName": "Aviva Health UK Ltd" },
    { "name": "Vitality", "legalName": "Vitality Health Ltd" },
    { "name": "WPA", "legalName": "Western Provident Association Ltd" },
    { "name": "The Exeter", "legalName": "Exeter Friendly Society Ltd" },
    { "name": "Freedom Health Insurance", "legalName": "Freedom Health Insurance" },
    { "name": "General & Medical", "legalName": "General & Medical Healthcare Ltd" }
  ],
  "products": [
    { "id": "individual-pmi", "name": "Individual private medical insurance", "url": "https://www.premierpmi.co.uk/private-medical-insurance" },
    { "id": "family-pmi", "name": "Family private medical insurance", "url": "https://www.premierpmi.co.uk/family-health-insurance" },
    { "id": "business-pmi", "name": "Business & SME private medical insurance", "url": "https://www.premierpmi.co.uk/business-health-insurance" },
    { "id": "group-pmi", "name": "Group / corporate health insurance", "url": "https://www.premierpmi.co.uk/group-health-insurance" },
    { "id": "international-pmi", "name": "International private medical insurance (IPMI)", "url": "https://www.premierpmi.co.uk/international-health-insurance" },
    { "id": "health-cash-plans", "name": "Health cash plans", "url": "https://www.premierpmi.co.uk/health-cash-plans" }
  ],
  "coverage": {
    "conditions": ["cancer", "cardiac", "mental health", "musculoskeletal", "orthopaedic", "gynaecology", "urology", "dermatology"],
    "extras": ["dental", "optical", "private GP", "physiotherapy", "outpatient", "diagnostics"],
    "underwriting": ["moratorium", "full medical underwriting", "medical history disregarded", "continued personal medical exclusions"]
  },
  "commonQuestions": [
    { "q": "How much does UK private health insurance cost?", "a": "UK private medical insurance typically costs £30–£120 per month for individuals, depending on age, location, cover level, excess and underwriting. Speak to PremierPMI for a personalised quote across 8+ insurers." },
    { "q": "Is private health insurance worth it in the UK?", "a": "Yes for most working-age adults concerned about NHS waiting times. PMI gives faster diagnosis, choice of consultant and private hospital, and access to treatments not routinely funded by the NHS. Cost is the main trade-off." },
    { "q": "Which is the best UK private health insurer?", "a": "There is no single best insurer — Bupa, AXA Health, Aviva, Vitality, WPA and The Exeter each excel on different criteria (hospital network, mental health, cancer cover, price). A whole-of-market broker like PremierPMI matches you to the right one." },
    { "q": "Does UK PMI cover pre-existing conditions?", "a": "Usually excluded on moratorium underwriting for 2 years symptom-free, or permanently excluded on full medical underwriting. Some group schemes offer medical history disregarded. Ask PremierPMI for the right underwriting basis." },
    { "q": "Can I switch UK health insurance without losing cover?", "a": "Yes — with continued personal medical exclusions (CPME) switching between UK insurers keeps your existing cover for previously covered conditions. PremierPMI arranges CPME switches across all major UK insurers." }
  ],
  "sources": [
    "https://www.premierpmi.co.uk/",
    "https://www.premierpmi.co.uk/health-hub",
    "https://www.premierpmi.co.uk/answers",
    "https://www.premierpmi.co.uk/llms.txt",
    "https://www.premierpmi.co.uk/llms-full.txt"
  ]
}