Private Medical Insurance | Fee-Free Advice

What Is Private Medical Insurance (PMI)?

Private medical insurance, also known as PMI, gives you quick access to healthcare when you need it, covering private hospital treatment, surgery, consultations, and diagnostic tests. It’s ideal for those who want more control over their health and shorter waiting times. Each policy can be tailored to your needs, usually including hospital stays, cancer treatment, and follow-up care, with optional extras such as dental, optical, or mental health support. At Boon Brokers, we provide fee-free, whole-of-market advice and can help you secure the right policy for your health and lifestyle.

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Submit an enquiry and await contact from one of our expert fee-free brokers.

Expert Advice

Your broker will listen to your insurance requirements and provide a PMI proposal.

Insurance Submission

Your broker will submit your application and await your policy documents.

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What is the cost of private medical insurance in the UK?

The total cost of private medical insurance will wholly depend on your policy and will vary depending on your age, health, lifestyle, and the level of cover you choose. Premiums can start from around £20 a month for basic cover, but policies with more comprehensive benefits such as cancer care or private hospital access will cost more. At Boon Brokers, our whole-of-market insurance advisers compare policies across leading UK providers to help you find the right balance between cost and cover.

How Much Is Private Health Insurance for Over 60s?

Private health insurance for over 60s will typically cost more than for younger applicants, as age increases the likelihood of claims. However, there are still many affordable options available. At Boon Brokers, our expert advisers can help you explore all the policies open to you, ensuring you get the best value and protection without paying for unnecessary extras.

What Does Private Medical Insurance Cover?

Most private medical insurance policies cover inpatient and day-patient treatment, surgery, hospital stays, and specialist consultations. Many also include outpatient care, diagnostic tests, and cancer treatment such as chemotherapy or radiotherapy. Optional add-ons like dental, optical, or mental health support can be included for more comprehensive protection. Boon Brokers can help you tailor your policy to match your exact needs and budget.

Can I Get Private Health Insurance with Pre-Existing Conditions?

Yes, many providers will offer private health insurance if you have pre-existing conditions, however, coverage for those conditions may be limited or excluded depending on your provider. Working with a whole-of-market broker like Boon Brokers ensures you find providers that are open to covering your medical history and offer the best available terms.

Can I Use Private Health Insurance and the NHS Together?

Yes, many people use a combination of private health insurance alongside the NHS. Your private policy can cover treatments or appointments you would otherwise face long waiting times for, while the NHS remains available for emergencies or services not covered by your insurance. This combination gives you flexibility and peace of mind across all aspects of your healthcare.

What Is the Difference Between Private and NHS Healthcare?

The NHS provides free medical care for UK residents but can involve longer waiting times and limited treatment choices. Private healthcare, on the other hand, offers faster access to specialists, private hospital rooms, and more control over your treatment. With a tailored private medical insurance policy, you can enjoy the best of both worlds with quicker care without any unexpected costs.