Question 1

What does private medical typically cover?

Accepted Answer

A private medical policy arranged through PremierPMI is built around prompt private diagnosis and treatment: specialist consultations, diagnostics, in-patient and day-patient surgery in private hospitals, and cancer cover. Out-patient limits, mental health, therapies, dental and optical are usually optional modules. What is covered depends on the insurer, the hospital list and the underwriting basis chosen (moratorium, full medical underwriting or switch), so we scope those with you before quoting.

Question 2

How much does private medical cost in the UK?

Accepted Answer

Private Medical premiums depend on age, postcode, hospital list, excess, underwriting basis and the modules you keep. Indicative individual cover starts from around £7.80 a month and rises with age and out-patient cover. PremierPMI compares 10+ leading UK health insurers — Bupa, AXA Health, Aviva, Vitality, WPA, Freedom and The Exeter among them — so the quote fits your medical needs and budget. Prices are indicative and confirmed after underwriting.

Question 3

Do I legally need private medical?

Accepted Answer

Private Medical is not a legal requirement in the UK — the NHS remains available to you. People take private cover to shorten waits for diagnosis and treatment, choose their consultant and hospital, and access drugs or therapies not routinely funded. Employers often provide it as a benefit; there is no statutory obligation to hold it.

Question 4

How quickly can PremierPMI arrange private medical?

Accepted Answer

For most standard applications we can quote the same working day and start cover within 24–48 hours once you accept. Speak to a UK health insurance broker on 020 4525 0884 (Mon–Fri 9am–5:30pm), WhatsApp 07515 703307 or email contact@premierpmi.co.uk.

Cover block	What it pays for	Typical limit
Fast diagnosis	Consultations, scans and tests to reach a diagnosis	Full or capped out-patient limit
In-patient treatment	Surgery, hospital stays, theatre, anaesthetist and consultant fees	Paid in full on most plans
Cancer cover	Full cancer pathway including drugs not funded locally by the NHS	Full cover on most plans
Choice of hospital	Access to a national list of private hospitals and units	Guided, local, national or London list

Cover level	Indicative from	Best for
Core cover	£7.80/month	Budget-first buyers wanting fast surgery and diagnosis
Mid-range cover	£19.40/month	Most families — balance of price and freedom
Comprehensive cover	£38.60/month	Full out-patient cover and choice of consultant

Private medical insurance UK — what it covers and what it costs

What private medical insurance covers

Indicative private medical insurance costs

Talk through your cover with a specialist PMI broker