Your Expert Health Insurance Broker in the UK

Get fast access to treatments, avoid NHS waiting lists
Get access to top UK consultants and private hospitals
Save up to 38% by switching with us

Your Expert Health Insurance Broker in the UK

Name: Private Medical Insurance ᐈ Best Health Insurance Broker in the UK
Brand: PremierPMI
Rating: 4.6 (42 reviews)

Whether you’re new to health insurance or looking to switch, we offer personalised health insurance quotes, expert advice & the whole market comparison.

Get fast access to treatments, avoid NHS waiting lists
Get access to top UK consultants and private hospitals
Save up to 38% by switching with us

Get 1 Month Free On Every Health Insurance Policy!

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Stuart walked me through the steps clearly and consisely

Baljit

Quick And Concise Felipe helped me navigate towards the best health insurance plan for me

Anshika Sivakumar

Nethasa Helped my sister and i’s family to set up health insurance

Ruslan

The man Behind the phone listened to my problem and helped me get the perfect deal

Sona

Jenna Navigated me through all that was needed expertly

Mark Dongin

Expert Health Insurance Broker: Find the Best Coverage for You

We at Premier PMI are your dedicated health insurance brokers, committed to guiding you through the maze of health insurance options. With over 40 years of expertise, our team offers personalised advice and comprehensive comparisons of the health insurance plans in the UK market. We are more than just PMI brokers; we are your health partners, providing round-the-clock support and ensuring swift access to treatments and top UK consultants. Our mission is to find a health insurance plan that not only fits your budget but also provides optimal protection. Choose us for customised solutions and enjoy significant savings, all with the assurance of independent and unbiased advice.

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Private Health Insurance Comparison from PremierPMI

We have continued giving guidance on health insurance to our thousands of clients for over 40 years. Over this time our private health insurance brokers in the UK have built a depth of knowledge of the product and continue to grow strong relationships with all the insurance providers. As a prominent health insurance provider, we are more than a comparison website. We have thousands of loyal clients who chose us because we are independent, unbiased and best at what we do. Compare health insurance quotes today!

Compare Health Insurance Quotes

Why Choose Us

Choose us for your health insurance and experience the difference. Our insurance specialists provide tailor-made quotes for private health insurance plans to perfectly suit your needs. Switching to our services can save you up to 38%, ensuring both excellent coverage and affordability. Plus, with every policy purchased, enjoy the bonus of one month free. Your health and your wallet both matter to us – that’s why we’re the right choice for your private health insurance comparison in the UK!

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How It works

Step 1

Answer A Few Simple Questions
Help us tailor a package to your
needs.

Step 2

Quotes From Leading Insurers
Get tailored quotes from the leading insurers.

Step 1

Get Covered & Start Saving!
Get insured
today!

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Our Services

Family Health Insurance

At PremierPMI, we offer family-focused plans to fit you. We provide access to quality private healthcare through an extensive range of healthcare products and services that ensure your family enjoys the best care possible, at the best price, no matter what.

Kids Health Insurance

In a world where time is of the essence, children’s health insurance in the UK offers an alternative to the NHS’s long waiting list for treatments and services. Parents can skip the queue, ensuring their kids have prompt access to specialist consultations.

Over 50s Health Insurance

Healthcare matters a lot, especially if you’re over 50. At this age, it’s nice to see specialist doctors quickly, not wait long for NHS appointments, and have peace of mind about your health. That’s what health insurance for people over 50 is all about.

Over 60s Health Insurance

This is the time to relax and enjoy life after a long and rewarding career. Also, remember that your health is extremely important. Having private health insurance will give you peace of mind in knowing that you will be able to receive prompt treatment and diagnostics.

Health Insurance for Over 70s

Health insurance as a senior can be challenging, but options exist. Even if you’re over 70, you can access private healthcare. This guide will provide essential information on which providers accept seniors and how much it costs.

Group Health Insurance

Group Health Insurance offers employees access to private healthcare funded by an insurance provider. This enables them to avoid the extended waiting times of the NHS for eligible medical conditions, facilitating quicker recovery.

Self-Employed Insurance

It covers health-related expenses for self-employed individuals, including outpatient, diagnostic, and dental care. It often allows policyholders to choose their preferred hospital and access a wider range of treatments and specialists.

Employee Health Insurance

Offering private health insurance to employees can be a strategic move for your business. It helps mitigate the lengthy NHS waiting times, ensuring prompt medical attention and a quicker return to work.

Corporate Health Insurance

Almost all companies (95%) in the UK believe they should care for their employees’ health and happiness. They know that employees feel happier with their jobs and take fewer sick days.

Small Business Health Insurance

Small business health insurance provides private health cover for both you and your employees, encompassing rapid tests, diagnoses and treatment. We’re here to support all kinds of businesses.

Couples Health Insurance

Couples health insurance will look into the benefits of joining your health insurance policy, including how it can save you money and make managing your health insurance cover easier.

Why switch your health insurance provider?

When you buy private medical insurance in the UK, remember it brings several benefits. It can lead to cost savings, improved coverage, access to a larger network of healthcare providers, and enhanced customer service and satisfaction. We’re an independent health insurance broker in the UK, helping you find the best policy, including assistance with switching providers. Contact us for help.

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Refer a friend or a family member and get £100 M&S Voucher

Private Health Insurance Comparison from PremierPMI

Choosing the right private health insurance plans can be a daunting task, with numerous options available in the market. To simplify the decision-making process, our team of experienced health insurance advisors has conducted a rough estimate based on a healthy 35-year-old individual with a mid-range level of cover and a £100 excess. This price comparison table will help you make an informed choice when selecting a private health insurance plan that suits your needs and budget.

Insurer	Price per month
Aviva Health	£39
AXA Health	£41
Bupa Health	£45
The Exeter	£39
Freedom Health	£40
Vitality Health	£35

Selecting the right health insurance plan is crucial to ensure your well-being and financial security. Our private medical insurance providers in the UK have conducted a preliminary price comparison to assist you in your quest for the ideal coverage. Please contact our advisors for a detailed evaluation and guidance on choosing the plan that best meets your needs and budget.

Private Medical Insurance

Private medical insurance is a policy designed to cover the costs of healthcare for private treatments. This type of insurance provides coverage from diagnosis to treatment for acute conditions. By paying a monthly premium, you ensure that your medical bills are taken care of in case of unexpected events. Health insurance typically covers conditions that develop after the policy starts, but pre-existing conditions are generally excluded from cover.

Medical insurance Broker

A health insurance broker is a qualified expert who can help you find the right health insurance policy by comparing plans from the best health insurance companies UK. If you’re shopping for health insurance online and are unsure about what to choose, a private medical insurance broker can assist you in finding the best plan at the right price.

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Our Partners

AXA Health

LoremAXA, a leading insurance provider, operates globally with a solid reputation. Established in 1816, AXA’s UK office, headquartered in London, ensures top-notch service delivery. Renowned for its swift claims settlements and extensive hospital networks, AXA stands out as a preferred choice for reliable insurance coverage.

AVIVA Health

Aviva, headquartered in London, UK, is a multinational insurance company founded in 2000, serving over 30 million customers worldwide. In the UK, it holds the position of the largest general insurer and a leading provider of life and pensions. Renowned for its outstanding cover, especially in cancer treatments. Their commitment to excellence and compassion solidifies their position as a top choice for reliable health insurance in the UK.

BUPA

Established in April 1947, Bupa emerged as one of the leading providers of health funding to the UK public. Originally known as the ‘British United Provident Association,’ it is now a private company without shareholders. Profits are reinvested internally to support employees and foster company growth.

Vitality Health

Vitality, a dynamic UK-based company, is dedicated to enhancing the well-being of individuals through its innovative insurance services, investments, and pension plans. Founded in 2004 as a joint venture between Prudential Plc and Discovery Ltd, Vitality pioneers a unique approach to health insurance, integrating coverage for illnesses with incentives for healthy living, thus empowering individuals to lead healthier, more fulfilling lives.

The Exeter

Exeter is a longstanding UK-based insurance company, founded in 1927 in its namesake city of Exeter, Devon. Specializing in a diverse array of insurance products, including private health insurance, Exeter has maintained its headquarters in Devon since its inception. Following a pivotal merger with Pioneer in 2008, the company rebranded to its current trading name, solidifying its position as a trusted provider in the insurance industry.

Freedom Health

Freedom Health is a well-known health insurance company based in Poole, UK, serving people for almost 19 years. They’re famous for their personalized care and top-notch service. Unlike top health insurance companies UK, they focus on giving flexible options. They cover both local and international clients, making sure everyone gets the care they need, wherever they are.

Member of BIBA and Willis Towers Watson

PremierPMI, a distinguished health insurance broker with four decades of experience, has consistently provided exceptional service and expertise in the industry. Our longstanding partnerships with prestigious organisations such as BIBA (British Insurance Brokers’ Association) and Willis Towers Watson underline our commitment to excellence and trustworthiness.

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Frequently asked questions

Private medical insurance covers the costs of private medical treatment, tests, and surgery if you become ill or injured during the policy term. Typically designed for acute, short-term, and curable conditions, PMI offers several benefits beyond what the NHS provides.

You pay a monthly premium for your medical insurance plan. In return, your insurer covers the cost of eligible treatments while the policy is active. Medical Insurance plans are intended to complement NHS services, so routine appointments with your GP would still be through the NHS. The benefits of health insurance are:

Avoid NHS waiting lists
Receive the best private healthcare
Choose the hospital and where you want to be treated

When it comes to choosing private medical insurance, there are several factors to consider, including:

Level of coverage provided.
Access to care options.
Treatment locations.
Your contribution (excess) towards costs.

It’s important to take the time to understand the options available to you to make an informed decision.

Here are some steps to help guide your decision-making process:

Compare the benefits offered by each insurer.
Look at any coverage limits like outpatient cover, diagnostics and hospital list
Take into account your own health needs
Consider additional benefits, like dental cover, mental health or therapies

If your employer has arranged the insurance cover for you, they will have all the necessary information about your policy.

Private medical insurance can be purchased directly from the insurer, through an independent adviser or online.

You can apply for insurance either over the phone, in person, or online.

Usually, people buy an individual private medical insuran to have:

Timely access to healthcare

Prompt referral to a consultant
Quick admission to the hospital
Treatment at a convenient time and place

Choice of healthcare

Direct care by a consultant
Advanced treatment options, such as access to some cancer drugs that are not available on the NHS

High-quality private clinic and hospital accommodation

Privacy of an en-suite room
Home amenities, such as TV
Comfort and cleanliness

The monthly payment to keep your health insurance plan active is called a premium. These premiums can cost hundreds of pounds a year, depending on your insurer and the coverage plan you choose.

When you go to a hospital, your insurer will cover the cost of treatment up to a certain amount based on your policy, provided you have paid your premium for that month and haven’t reached your maximum out-of-pocket limit for the year.

How is the price of a health insurance policy calculated?

Several factors determine the cost of your health insurance policy:

Your age
Medical history
Postcode
Desired coverage
Lifestyle choices

Will my premiums increase as I get older?

Normally as you get older your health insurance premiums will increase, because the older you get the more likely you are to claim on your policy. Again, it comes down to your health insurance advisor, an experienced medical advisor can tailor the policy you need.

Underwriting Options

All health insurance providers handle applications using two methods: full medical underwriting and moratorium underwriting.

Full Medical Underwriting

You provide details of your medical history. The insurer might contact your doctor for more information. If you withhold information, your claim may be reduced, denied or your policy cancelled. Pre-existing conditions and related issues might not be covered, either permanently or for a set period.

Moratorium Underwriting

You don’t provide your medical history upfront. The insurer excludes coverage for pre-existing conditions treated, tested, medicated, advised on, or symptomatic in the years before your policy starts. These conditions might become eligible for coverage if you’re symptom-free and don’t seek treatment or advice for them for a continuous period, usually two years, after your policy starts. Some chronic conditions may never be covered.

For claims, insurers may request medical notes to determine coverage. Routine health check-ups for general well-being are disregarded under moratorium terms.

Our professional health insurance brokers will explain the difference between underwriting options.

Making a health insurance claim is easier than you might think. It only takes 4 simple steps to arrange a claim.

Visit Your GP

Unless you have direct access, start by consulting your GP for an assessment and an open referral letter. This allows you to choose a specialist from your insurer’s list. If seeing your GP is difficult, virtual GP services offered by insurers can also provide referrals.

Start Your Claim

Contact your insurer with your policy number and referral letter via app, online or by phone. The insurer will verify your policy details and medical history. If approved, you’ll receive a pre-authorisation number.

Find a Healthcare Provider

Choose a consultant or hospital covered by your policy. Insurers often provide a list of options. You can opt for a standard or extended hospital list, with the latter offering more expensive providers, often in cities like London. A guided consultants list can help save costs by offering high-quality, cost-effective options.

Paying the Bill

After treatment, the hospital typically bills your insurer directly. You’ll need to pay any agreed excess, which your insurer will inform you of during the claims process.

Each provider has a slightly different process, but most allow claims via phone, app, or online, providing flexibility based on your preferences and schedule.

Information on how to make a claim will be included in your welcome pack. Our private medical insurance specialist will guide you through the entire process, from selecting the right insurance to making a claim.

Outpatient

If you are an outpatient, you visit a hospital, consulting room, or outpatient clinic for diagnosis or treatment but do not stay overnight. You come in for routine check-ups, minor procedures, or follow-up appointments. As an outpatient, you receive the medical care you need and leave the facility the same day. This could involve visits for physical therapy, blood tests, minor surgeries and consultations with specialists.

Day Patient

As a day patient, you are admitted to a hospital or a specialised day patient unit for treatment or a procedure that requires medical supervision but does not necessitate an overnight stay. You might need to stay for several hours for your treatment, observation, or recovery, but you are discharged to go home by the end of the day. This is typical if you are undergoing minor surgeries, certain types of therapy, or diagnostic procedures that require a short recovery period under medical supervision

Accident and Emergency (A&E) services are not covered by health insurance. In case of a medical emergency, dial 999 immediately. Emergency services will stabilise you and provide initial care. After stabilisation, you will be transferred to a private wing of an NHS hospital or a private ambulance will transfer you to a private hospital for further treatment. This ensures you receive urgent care promptly, followed by continued treatment in a facility covered by your insurance. Always know your insurance coverage details and emergency procedures to be prepared for any situation.

Private health insurance is available even if you have a pre-existing medical condition, but coverage details vary by insurer and policy. Each insurer has its own list of conditions they classify as pre-existing and different terms for how these conditions are managed.

Some insurers or policies may not cover certain pre-existing conditions at all. Others might impose limitations or exclusions, meaning coverage could be restricted if you need treatment related to the pre-existing condition.

Consulting the best health insurance broker UK can also provide valuable guidance in choosing the best policy for your needs

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35 Berkeley Suite, Berkeley Square, Mayfair, London, England, W1J 5BF
01280360122
contact@premierpmi.co.uk

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