General & Medical Healthcare Health Insurance Review

General & Medical Healthcare UK private medical insurance review — cover, hospital list, underwriting, claims and pricing from PremierPMI.

What General & Medical Healthcare cover includes

A four-tier range — Essentials, Everyday, Lifestyle and Elite — administered from Peterborough, with four hospital options and a choice of excess from £0 to £3,000.

General & Medical Healthcare is the trading name General & Medical Finance Ltd uses to sell Private Health Insurance, administered from its Peterborough office; the company was founded in late 1988 and incorporated in 1989 (Companies House No 02421641), and is authorised and regulated by the FCA (FRN 579509). Policies are underwritten by General & Medical Insurance Ltd, a Guernsey-registered insurer (No 43984) regulated by the Guernsey Financial Services Commission. The individual and family range has four tiers — Essentials, Everyday, Lifestyle and Elite — with a Plus Upgrade available on Essentials, Everyday and Lifestyle for extra cancer or out-patient cover; Elite is sold as the single most comprehensive level, adding dental, optical, audiology, private GP cover and pet boarding. Every tier includes a 24-Hour GP Advice Line and online/telephone Health & Wellbeing support. Members choose from four hospital options — Guided Care, First Choice, Freedom and Premium — and an excess from £0 to £3,000, both of which change the premium.

General & Medical Healthcare at a glance

• Established: General & Medical Finance Ltd, incorporated 11 September 1989 (Companies House No 02421641); founded in late 1988 (General & Medical, 'General and Medical Finance' page and Companies House, checked 15 Oct 2026).
• Head office: Registered office: General & Medical House, Napier Place, Peterborough, PE2 6XN.
• Regulation: General & Medical Healthcare is administered by General & Medical Finance Ltd, authorised and regulated by the Financial Conduct Authority (FRN 579509). Policies are underwritten by General & Medical Insurance Ltd, registered in Guernsey (No 43984) and authorised and regulated by the Guernsey Financial Services Commission; complaints about the underwriter can go to the Channel Islands Financial Ombudsman (CIFO).
• Best suited to: Clients who want a four-tier ladder with clear Plus Upgrades; Buyers who want to trade hospital choice for a lower premium; Clients who want a 24-hour GP line included on every tier
• Indicative starting premium: Price on quote
• PremierPMI broker rating: 4 out of 5
• Trading entity: General & Medical Finance Ltd, Companies House No 02421641, incorporated 11 September 1989 (checked 15 Oct 2026)
• Underwriter: General & Medical Insurance Ltd, Guernsey No 43984, regulated by the Guernsey Financial Services Commission
• FCA registration: General & Medical Finance Ltd, FRN 579509
• Product range: Essentials, Everyday, Lifestyle, Elite, with Plus Upgrades on the first three
• Hospital options: Guided Care, First Choice, Freedom, Premium — over 1,000 participating hospitals and facilities claimed
• Excess options: £0, £150, £250, £500, £1,000, £2,000 or £3,000, once a year or per claim
• Included GP service: 24-Hour GP Advice Line, phone or video, on every tier

General & Medical Healthcare plan tiers compared

General & Medical Healthcare hospital access and network

General & Medical groups its reported 1,000+ participating UK hospitals and facilities into four options. Guided Care uses negotiated-rate hospital groups for the lowest cost; First Choice is a select group of private hospitals and clinics including in London; Freedom adds further UK facilities, mainly NHS hospitals with private units, plus most other London hospitals; Premium adds higher-cost specialist facilities for an extra premium. We confirm which option includes a client's preferred hospital before recommending a tier.

Underwriting basis

• Full Medical Underwriting — medical declaration at application; accepted exclusions shown on the Schedule of Cover.
• Moratorium — no medical declaration; conditions with symptoms in the 60 months before joining are excluded until 24 continuous symptom-free months after joining.
• Continued Moratorium — for members transferring from an existing Moratorium-based scheme, carrying over the original commencement date.
• Continued Personal Medical Exclusions — for members transferring from a fully medically underwritten scheme, carrying over the same personal exclusions.

Indicative General & Medical Healthcare premiums by age

Illustrative desk figures, not quotes — every premium is individually underwritten.

Making a claim

Typical pre-authorisation turnaround: Contact your Health & Care Support Specialist before you see a consultant so cover can be confirmed first (General & Medical, brochure, 'Your Questions Answered', checked 15 Oct 2026).. App: General & Medical member services. Escalation route: If a claim stalls, we contact General & Medical's Health & Care Support Specialist team on your behalf and keep you updated..

• 24-Hour GP Advice Line for phone or video consultation with a GMC-registered GP or doctor.
• Each client is assigned a dedicated Health & Care Support Specialist rather than a call centre, per General & Medical's brochure.
• General & Medical says it pays the hospital directly where a claim is agreed, so the member does not need to settle the bill first.

Cover detail our brokers check first

• Mental health: Psychiatric treatment is a standard exclusion on healthcare cover. An optional Enhanced Mental Health upgrade covers a diagnosed mental health condition up to 48 days a membership year for in-patient/day-case treatment and up to £2,000 a membership year for out-patient treatment; not available with Essentials Standard (General & Medical, brochure, checked 15 Oct 2026).
• Cancer pathway: Cancer cover depends on tier: not included on standard Essentials (added via the Essentials Plus Upgrade), an increasing level of cover on Everyday that rises each of the first five claim-free years, enhanced on Lifestyle, and full cover on Elite. Where covered, benefits include radiotherapy, chemotherapy, post-cancer services, monitoring and a separate benefit for anti-cancer drugs, biological therapies and bone marrow or stem cell transplants (General & Medical, brochure, checked 15 Oct 2026).
• Digital GP: 24-Hour GP Advice Line included on every tier: phone or video consultation with a GMC-registered GP or doctor, with prescriptions sent to the member or a local pharmacy and fit notes where appropriate (General & Medical, brochure, '24-Hour GP Advice Line', checked 15 Oct 2026).
• Dental & optical: Routine dental services, optical services and audiology are included only on Elite; not available on Essentials, Everyday or Lifestyle, including their Plus Upgrades (General & Medical, Elite Cover page, checked 15 Oct 2026).
• Family options: Children under 16 are added to an adult's policy; a child remains classed as a child up to their 21st birthday, or 25th if in full-time education (proof required). General & Medical also offers separate Generation Healthcare schemes for children from 90 days old up to age 18 (General & Medical, brochure, 'Your Questions Answered', checked 15 Oct 2026).
• International cover: Not included as standard; an optional Multi-Trip Travel Insurance upgrade is available (Europe, Worldwide excluding USA/Canada, or Worldwide including USA/Canada) with up to £10,000,000 emergency medical expenses cover, for members under 80 at commencement. Separately, an optional Channel Islands Cover upgrade covers Channel Islands residents' local GP or Emergency Room services (General & Medical, brochure, checked 15 Oct 2026).

Where General & Medical Healthcare stands out

• 24-Hour GP Advice Line for phone or video consultation with a GMC-registered GP included on every tier, with prescriptions sent to a local pharmacy.
• Four hospital options (Guided Care, First Choice, Freedom, Premium) let clients trade hospital breadth for a lower premium.
• Essentials, Everyday and Lifestyle each have a Plus Upgrade for extra cancer or out-patient cover rather than needing to jump a whole tier.
• Optional upgrades for up to two named pre-existing conditions, Enhanced Mental Health, Multi-Trip Travel and Channel Islands Cover.

Watch-outs before you buy

• Standard Essentials does not cover cancer treatment; the Essentials Plus Upgrade is needed for that.
• Psychiatric treatment is a standard exclusion unless the optional Enhanced Mental Health upgrade is added, and it is not available with Essentials Standard.
• Dental, optical, audiology and private GP services are only included on Elite, not on the other three tiers or their Plus Upgrades.
• Treatment received outside the UK or Channel Islands is excluded unless the relevant travel or Channel Islands upgrade is in place.

Switching to General & Medical Healthcare

General & Medical Healthcare for businesses and groups

PremierPMI broker desk notes

• We check which hospital option (Guided Care, First Choice, Freedom or Premium) covers a client's preferred local hospital before recommending a General & Medical quote.
• Because General & Medical does not publish a single example price, we obtain a like-for-like quote across tiers and excess levels for comparison against other insurers.
• For clients switching from another UK insurer, we check whether Continued Moratorium or Continued Personal Medical Exclusions terms can be carried over before cancelling an existing policy.

General & Medical Healthcare compared with other insurers

Broker verdict

General & Medical is a clearly tiered UK PMI specialist we recommend when a client wants to trade hospital choice and excess for price control across four product levels, with a 24-hour GP line included throughout — we always confirm the live Schedule of Cover and a current quote, since General & Medical does not publish example prices.

Best for: Best for clients who want a four-tier ladder with hospital-option and excess flexibility.

General & Medical Healthcare is the trading name of General & Medical Finance Ltd (FCA FRN 579509, Companies House 02421641), administering Private Health Insurance underwritten by General & Medical Insurance Ltd in Guernsey. Its range has four tiers — Essentials, Everyday, Lifestyle and Elite — with Plus Upgrades on the first three, four hospital options, an excess choice from £0 to £3,000, and a 24-Hour GP Advice Line on every policy.

Common questions

Is General & Medical health insurance any good?

General & Medical Healthcare is a long-established UK PMI brand, administered by General & Medical Finance Ltd (incorporated 1989, FCA FRN 579509) and underwritten by Guernsey-based General & Medical Insurance Ltd. Its four-tier range (Essentials, Everyday, Lifestyle, Elite) with Plus Upgrades and four hospital options gives flexibility on price, and every tier includes a 24-Hour GP Advice Line. We compare it against other UK insurers at quote to check hospital access and cancer cover levels fit a client's needs.

How much does General & Medical health insurance cost?

General & Medical does not publish a single example price on its site or brochure, so we treat the price as quote-only. Premium depends on tier, Plus Upgrade, hospital option (Guided Care being the lowest cost), excess (from £0 to £3,000) and underwriting route; General & Medical's own example suggests a £250 excess per claim could cut premium by around 15%.

Who underwrites General & Medical health insurance?

General & Medical Insurance Ltd, registered in Guernsey (No 43984) and authorised and regulated by the Guernsey Financial Services Commission. The policy is administered by General & Medical Healthcare, a division of General & Medical Finance Ltd, which is authorised and regulated by the FCA (FRN 579509).

Can I choose my hospital with General & Medical?

Yes, within the hospital option on the policy. Guided Care and First Choice give lower-cost but narrower hospital access; Freedom adds more UK and London hospitals; Premium adds specialist higher-cost facilities for an extra premium. We check a client's preferred hospital is included before recommending an option.

Who underwrites General & Medical health insurance?

General & Medical Insurance Ltd, registered in Guernsey (No 43984), authorised and regulated by the Guernsey Financial Services Commission. The policy is administered by General & Medical Healthcare, a division of General & Medical Finance Ltd (Companies House No 02421641), which is authorised and regulated by the FCA (FRN 579509). Complaints about the Guernsey underwriter can be referred to the Channel Islands Financial Ombudsman (CIFO) (General & Medical, brochure, checked 15 Oct 2026).

What is the difference between General & Medical's hospital options?

Guided Care uses hospitals where General & Medical has negotiated rates and is the lowest-cost option; First Choice is a select group of UK and London private hospitals; Freedom adds further UK facilities, mainly NHS hospitals with private units, plus most other London hospitals; Premium adds specialist, higher-cost facilities for an additional premium (General & Medical, brochure, 'Participating Hospitals', checked 15 Oct 2026).

Can I choose an excess on a General & Medical policy?

Yes. General & Medical offers excess options of £0, £150, £250, £500, £1,000, £2,000 or £3,000, applied either once a membership year or to each claim. The brochure gives an example that even a £250 excess per claim could reduce the premium by around 15% (General & Medical, brochure, 'Policy Excess', checked 15 Oct 2026).

What does General & Medical health insurance cover?

General & Medical Healthcare is the trading name used by General & Medical Finance Ltd (Companies House No 02421641, incorporated 11 September 1989) to sell Private Health Insurance, administered from Peterborough; policies are underwritten by General & Medical Insurance Ltd, registered in Guernsey No 43984 and authorised and regulated by the Guernsey Financial Services Commission (General & Medical, brochure and site footer, checked 15 Oct 2026). The range has four tiers — Essentials, Everyday, Lifestyle and Elite — with a Plus Upgrade available on Essentials, Everyday and Lifestyle (General & Medical, Health Insurance and brochure, checked 15 Oct 2026).

General & Medical says members can access over 1,000 participating hospitals and medical facilities across the UK, including the majority of Spire Healthcare, Ramsay Healthcare, Circle Health Group and Nuffield Health sites, grouped into its four hospital options (General & Medical, brochure, 'Participating Hospitals', checked 15 Oct 2026). We confirm which hospital option includes a client's preferred local hospital before recommending a tier.

• Essentials, Everyday and Lifestyle each have a Plus Upgrade that adds cover for cancer treatment and palliative care (on Essentials Plus) or raises out-patient and other limits (on Everyday Plus and Lifestyle Plus); Elite is sold as a single, most comprehensive tier with no separate upgrade (General & Medical, Essentials/Everyday/Lifestyle/Elite cover pages and brochure, checked 15 Oct 2026).
• All policies include a 24-Hour GP Advice Line for phone or video consultations with a GMC-registered GP, plus 24-hour Health & Wellbeing online, telephone counselling and advice services, at no extra cost (General & Medical, brochure, '24-Hour GP Advice Line' and 'Health & Wellbeing Services', checked 15 Oct 2026).
• Members can choose from four hospital options — Guided Care, First Choice, Freedom and Premium — available across the whole range, and an excess of £0, £150, £250, £500, £1,000, £2,000 or £3,000, applied once a membership year or to each claim (General & Medical, brochure, 'Available Modules, Options and Upgrades', checked 15 Oct 2026).

General & Medical's four cover levels

General & Medical sells four individual and family tiers, each building on the one below; Essentials, Everyday and Lifestyle can also be bought with a Plus Upgrade for extra cancer or out-patient cover (General & Medical, brochure, checked 15 Oct 2026).

• Essentials — Entry-level cover for admission to a private hospital for surgery of an acute condition, an initial consultation and diagnostic tests, an NHS cash benefit and a life cash benefit. The Essentials Plus Upgrade adds cover for cancer treatments and palliative care (General & Medical, Essentials Cover page and brochure, checked 15 Oct 2026).
• Everyday — Adds essential cover for cancer treatment, which the brochure says increases for each of the first five years of membership if no cancer claim is made, higher out-patient benefit limits and cover for complications of pregnancy as standard. Everyday Plus raises out-patient limits further and adds in-patient cover for cardiovascular conditions, a higher life cash benefit, a critical illness cash benefit, home nursing and private ambulance cover (General & Medical, Everyday Cover page and brochure, checked 15 Oct 2026).
• Lifestyle — Full cover for in-patient admissions, enhanced cancer treatment and further out-patient benefits, plus hospice care, heart condition treatment and additional cash benefits. Lifestyle Plus adds emergency medical cover outside the UK and Channel Islands, maternity, personal accident and temporary disablement cash benefits, and reimbursement of eligible hospital parking charges (General & Medical, Lifestyle Cover page and brochure, checked 15 Oct 2026).
• Elite — The highest, most comprehensive level, built on everything in Essentials, Everyday and Lifestyle, adding routine dental services, optical services, audiology services, private GP services, prescription cost cover, private delivery within maternity benefits, higher life and personal accident cash benefits, a higher maternity cash benefit, and boarding costs for pets while the member is in hospital (General & Medical, Elite Cover page and brochure, checked 15 Oct 2026).

General & Medical tier-by-tier highlights

The brochure's Benefits At A Glance table sets out standard and Plus Upgrade benefits across the range; limits apply throughout and we confirm the live Schedule of Cover at quote.

Source: General & Medical, brochure 'Personal Healthcare for Individuals and Families' (usaycompare.co.uk/hubfs/brochure-pmi-2026-02-10.pdf, 'Benefits At A Glance' and product pages, checked 15 Oct 2026). Exact monetary limits for each tier are set out in the Schedule of Cover and benefit tables rather than as plain text in the brochure; we confirm current limits at quote.

General & Medical's cancer cover by tier

Cancer cover is one of the clearest differences between tiers and is a key reason to choose the Plus Upgrade on Essentials.

• Essentials — Plus Upgrade needed — Standard Essentials does not include cancer treatment cover; the Essentials Plus Upgrade adds it, together with palliative care (General & Medical, Essentials Cover page, checked 15 Oct 2026).
• Everyday — increasing cover — Everyday includes an essential level of cover for cancer treatment that the brochure says increases for each of the first five years of membership if the member does not make a cancer claim; Everyday Plus provides a higher level again on the same increasing basis (General & Medical, Everyday Cover page, checked 15 Oct 2026).
• Lifestyle and Elite — enhanced and full cover — Lifestyle provides enhanced cancer treatment cover; Elite provides full cover for cancer treatment alongside its other benefits (General & Medical, Lifestyle and Elite Cover pages, checked 15 Oct 2026).
• What's included — Where covered, cancer treatment includes radiotherapy, chemotherapy, post-cancer services, advice on cancer treatment, artificial feeding, speech therapy and monitoring; a separate benefit extends to anti-cancer drugs, preventative treatment, biological therapies, genetic testing, bone-strengthening drugs and bone marrow or stem cell transplants, subject to the Schedule of Cover (General & Medical, brochure, 'Benefits At A Glance', checked 15 Oct 2026).

General & Medical's four hospital options

Hospital choice is one of the two main ways General & Medical lets members control their premium, alongside excess (General & Medical, brochure, 'Participating Hospitals' and 'Premium Options', checked 15 Oct 2026).

General & Medical says members have access to over 1,000 participating hospitals and medical facilities across the UK, including the majority of leading national private hospital groups and NHS private patient units, grouped into these four options to reflect differing treatment costs (General & Medical, brochure, checked 15 Oct 2026).

• Guided Care — The lowest-cost option: General & Medical negotiates rates with carefully selected hospital groups so these purposefully selected facilities can pass savings on to members (General & Medical, brochure, 'Participating Hospitals', checked 15 Oct 2026).
• First Choice — A select group of private hospitals and clinics throughout the UK, including London, with which General & Medical has close association; General & Medical says those who choose First Choice hospitals benefit from its lowest premiums after Guided Care (General & Medical, brochure, checked 15 Oct 2026).
• Freedom — Includes all First Choice facilities plus access to additional facilities throughout the UK, mainly NHS hospitals with private facilities attached, and most other London hospitals (General & Medical, brochure, checked 15 Oct 2026).
• Premium — Specialist facilities that, owing to their reputation and location, can charge substantially more for medical services; Premium hospitals can be included for an additional premium (General & Medical, brochure, checked 15 Oct 2026).

General & Medical underwriting options

General & Medical offers four underwriting routes, covering both new applicants and people switching from an existing scheme (General & Medical, brochure, 'Underwriting Options', checked 15 Oct 2026).

Source: General & Medical, brochure, 'Underwriting Options' (checked 15 Oct 2026).

• Full Medical Underwriting — Medical declaration questions are asked about past health; any pre-existing conditions and related conditions may be excluded from cover unless General & Medical agrees to accept them, with exclusions shown on the Schedule of Cover.
• Moratorium — No medical declaration is required. Treatment of a pre-existing or related condition is not covered if the member had symptoms in the 60 months before joining; a condition may become covered once the member has gone 24 continuous months after joining with no symptoms, treatment, medication, diagnostic tests or advice relating to it.
• Continued Moratorium — For members transferring from an existing scheme already underwritten on a Moratorium basis; General & Medical applies the same Moratorium conditions from the commencement date of the previous scheme.
• Continued Personal Medical Exclusions — For members transferring from an existing fully medically underwritten scheme; General & Medical applies the same personal medical exclusions that applied under the previous scheme.

General & Medical's included services and optional upgrades

Beyond the tiered cover, General & Medical includes wellbeing services on every policy and offers several paid upgrades across the range (General & Medical, brochure, 'Health & Wellbeing Services' and 'Available Modules, Options and Upgrades', checked 15 Oct 2026).

Source: General & Medical, brochure, 'Health & Wellbeing Services', '24-Hour GP Advice Line' and 'Available Modules, Options and Upgrades' (checked 15 Oct 2026).

• 24-Hour GP Advice Line — Phone or video consultation with a GMC-registered GP or doctor at a time to suit the member, with advice on travel, lifestyle or medication, prescriptions sent to the member or a local pharmacy (charges may apply), and fit notes where appropriate.
• Health & Wellbeing services — An online Health & Wellbeing site with active life, health, sport and active care programmes; 24/7 telephone counselling; and a Health & Wellbeing advice service staffed by doctors, nurses and specialists, for general guidance rather than diagnosis or emergency care.
• Cover for up to two pre-existing conditions — An optional upgrade covering up to two named pre-existing conditions chosen at outset from a defined list (including asthma, diabetes, eczema, hypertension and arthritis), subject to an annual limit of £1,000 per condition, rolling up to £10,000 after 10 continuous years of membership with no related claims.
• Enhanced Mental Health upgrade — An optional upgrade covering treatment for a diagnosed mental health condition, up to 48 days a membership year for in-patient/day-case treatment and up to £2,000 a membership year for out-patient treatment; not available with Essentials Standard.
• Multi-Trip Travel Insurance upgrade — An optional upgrade for members under 80 at commencement, with a choice of Europe, Worldwide excluding USA and Canada, or Worldwide including USA and Canada; up to £10,000,000 for emergency medical expenses including repatriation, with winter sports, cruise, golf, business travel and pre-existing condition cover upgrades also available.
• Channel Islands Cover — An optional upgrade providing cover for Channel Islands residents' GP or Emergency Room services, including routine minor surgery, plus travel costs to another Bailiwick or the UK where necessary treatment is unavailable locally.

How General & Medical members control their premium

General & Medical publishes two main levers for reducing premium: choosing a lower tier or hospital option, and adding an excess (General & Medical, brochure, 'Premium Options' and 'Policy Excess', checked 15 Oct 2026).

Source: General & Medical, brochure, 'Premium Options' and 'Policy Excess' (checked 15 Oct 2026). General & Medical does not publish a single price example on the pages or brochure we checked, so fromPrice is quoted at point of enquiry.

• Tier and hospital choice — Choosing a lower cover level (for example Everyday instead of its Plus Upgrade) or Guided Care as the hospital option reduces premium, according to General & Medical's brochure.
• Excess options — An excess of £0, £150, £250, £500, £1,000, £2,000 or £3,000 is available across the range; at outset the member chooses whether it applies once per policy year or to each claim. General & Medical's worked example: with a £250 excess, treatment costing £5,000 leaves the member paying the first £250 and General & Medical covering the remainder.
• Published saving example — General & Medical's brochure states that even a £250 excess per claim could reduce the premium by around 15%.

How PremierPMI works with you on General & Medical

PremierPMI compares General & Medical's four tiers against other UK insurers as a whole-of-market broker. This section is our own service standard and sits alongside General & Medical's policy terms.

Our service commitments above are PremierPMI's own standard, not General & Medical service-level guarantees.

• Free, whole-of-market advice — PremierPMI advice is free to you. We compare General & Medical against 10+ leading UK health insurers and are paid a standard commission by the insurer on placement — no client fees.
• Tier and hospital-option check before placement — We check which of Essentials, Everyday, Lifestyle or Elite — and which of Guided Care, First Choice, Freedom or Premium — matches a client's budget and local hospital before recommending a quote.
• If a claim stalls, we contact General & Medical on your behalf — We follow up directly with General & Medical's Health & Care Support Specialist team if a claim is taking longer than expected, and keep you updated.
• FCA regulated — PremierPMI is a trading style of Tesha Family Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1029667). Companies House registration 11417747.

What General & Medical does not cover

General & Medical's brochure lists significant limitations and exclusions that apply across the range, in addition to any personal exclusions on an individual's Schedule of Cover (General & Medical, brochure, 'What Isn't Covered', checked 15 Oct 2026).

Source: General & Medical, brochure, 'What Isn't Covered' (checked 15 Oct 2026). Full terms, conditions and exclusions are in the Policy Document Part 1 (General Terms and Conditions) and Part 2 (A) (Private Health Insurance), which we check at quote.

• GP and dental practitioner services — The services of a general practitioner or general dental practitioner are not covered under the healthcare policy (separate from the included 24-Hour GP Advice Line).
• Routine checks and screening — Sight testing, routine medical examinations, chiropody/podiatry, health screening, routine monitoring, and allergy testing or treatment are excluded.
• Pregnancy and childbirth — Pregnancy or childbirth, including preventative care, complications, miscarriage or termination, is excluded (Everyday and above add cover for complications of pregnancy as standard; see the relevant tier).
• Psychiatric treatment (unless upgraded) — Out-patient, in-patient or day-care treatment of any psychiatric illness or disorder is excluded unless the optional Enhanced Mental Health upgrade has been added.
• Chronic conditions and natural ageing — Treatment of chronic conditions, and treatment of congenital defects or conditions that are a natural part of the ageing process, are excluded.
• Accident and emergency admissions — Accident or emergency admission and/or unplanned admissions, their routine follow-up, or any complications, are excluded.
• Renal dialysis and organ transplants — Regular or long-term renal dialysis in chronic or end-stage renal failure, and organ transplants or replacements, are excluded.
• Alcohol, drugs and self-inflicted injury — Alcoholism or drug dependence, suicide or treatment of self-inflicted injury, and injury sustained while participating in illegal activity or under the influence of drugs or alcohol, are excluded.
• HIV/AIDS, sleep disorders, treatment outside UK/Channel Islands — HIV/AIDS and any related condition or test, sleep disorders/sleep studies/sleep apnoea, and treatment received outside the UK or Channel Islands (unless the relevant travel or Channel Islands upgrade applies), are excluded.
• Undisclosed pre-existing conditions — Any undisclosed pre-existing condition is excluded, and cover depends on the underwriting route chosen (Full Medical Underwriting, Moratorium, Continued Moratorium or Continued Personal Medical Exclusions).

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 020 4525 0884, or email contact@premierpmi.co.uk.