Full central London hospital access, worldwide cover and concierge claims. We compare Bupa top tiers, AXA Global Healthcare and Vitality for HNW families.
Health Insurance for High-Net-Worth Individuals UK
UK high-net-worth PMI typically costs £300–£800+/month depending on age, cover scope and global access. Bupa Platinum, AXA Global Health, and Vitality VIP are the leading HNW products, offering unlimited benefits, worldwide hospital access, and dedicated claims handlers.
Health Insurance for HNW Individuals: what the cover actually does
High-net-worth individuals have different healthcare needs: global travel, homes in multiple jurisdictions, and an expectation of concierge-level service. Standard UK PMI products — even 'comprehensive' tiers — often fall short on overseas cover, annual limits, or service responsiveness.
HNW PMI products (sometimes called international PMI or IPMI) remove these constraints: unlimited annual benefits, global hospital access (including the US, the world's most expensive healthcare market), and dedicated relationship managers who coordinate care end-to-end.
Cost is higher — often 2–3× standard UK PMI — but for clients whose time is their most valuable asset, the speed, certainty and service quality justify the premium.
Key numbers our brokers work from
- UK HNW individuals (>£1m liquid assets): ~600,000 (Knight Frank 2024)
- HNW individuals with global PMI: ~40% (LaingBuisson 2024)
- US hospitalisation average cost: $2,600/day (KFF 2024)
- UK private hospital average cost: £800/day (PHIN 2024)
Indicative monthly cost by scenario
Illustrative only — final premiums depend on age, postcode, excess, hospital list, underwriting and insurer terms at the time of quote.
| Scenario | Indicative monthly | Notes |
|---|---|---|
| HNW individual (45) — UK-only unlimited | £250–£350 | Zero excess, comprehensive outpatient, mental health. |
| HNW individual (50) — global excl. US | £350–£500 | Worldwide cover excl. North America. |
| HNW individual (55) — global incl. US | £600–£900 | Full global incl. US hospitals, concierge. |
Which insurers tend to fit best
| Insurer | Fit | Broker note |
|---|---|---|
| Bupa Global | excellent | Unlimited global cover incl. US; concierge service; Platinum tier. |
| AXA Global Health | excellent | Strong international network; flexible modules; good for multi-jurisdictional clients. |
| Vitality VIP | good | UK-focused but high limits; wellness rewards. |
| WPA | fair | Ethical; UK-centric; less global reach. |
| Aviva | fair | Good UK cover; limited global options. |
| The Exeter | limited | UK small-business focus; not HNW-oriented. |
| Freedom | limited | Budget; not suited to HNW needs. |
Before you buy — broker checklist
- Confirm geographic scope: UK-only, global excl. US, or global incl. US.
- Verify annual benefit limit is unlimited (not £2m capped).
- Check maternity cover if relevant (many HNW policies include it).
- Ask about concierge / dedicated relationship manager.
- Review repatriation cover if you travel extensively.
PremierPMI broker desk notes
- Including the US roughly doubles premium — skip it if you don't spend significant time in North America.
- Bupa Global's concierge service is genuinely excellent: a named handler coordinates consultations, second opinions, and hospital bookings worldwide.
- For multi-jurisdictional families (e.g. UK home, Monaco residence, frequent US travel), AXA Global Health's modular structure often fits better than Bupa's all-in Platinum.
Common questions
Why is US cover so expensive?
US healthcare is the world's most expensive — a single hospital stay can exceed $100,000. Including the US in your cover scope adds substantial risk for the insurer, hence the premium uplift.
What's concierge service?
A dedicated relationship manager who coordinates your care: books consultations, arranges second opinions, handles claims, and is available 24/7. Standard with Bupa Global Platinum and AXA Global elite tiers.
Can I cover household staff?
Yes — many HNW clients add domestic staff to a group policy. Premiums vary by role and age.
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 8064 2273, or email contact@premierpmi.co.uk.
Talk through your cover with a specialist PMI broker
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.