Private health insurance doesn’t have to cost a fortune. We connect you with providers who offer real coverage—and real savings. Fill in a few quick details and speak to a specialist who can help.
Private health insurance doesn’t have to cost a fortune. We connect you with providers who offer real coverage—and real savings. Fill in a few quick details and speak to a specialist who can help.
WeSearch-UCompare is not regulated by the FCA and does not provide financial advice. We act solely as a lead generation platform, connecting consumers with regulated service providers.
Private medical insurance (PMI) helps you pay for healthcare in private hospitals and clinics. It means faster access to treatment, private rooms, and more flexibility in choosing when and where you’re treated.
Most standard PMI plans cover:
Some plans also include:
Coverage depends on the provider and the policy you choose — always check the details.
PMI usually doesn’t cover:
Always read the small print and ask the provider for a list of exclusions.
Yes, but it might be excluded from cover.
There are two common options:
Many people with minor or resolved health issues can still get cover — sometimes with an extra fee (called a “loading”).
It depends on your priorities. PMI offers:
⚠️ But NHS care remains free and high quality. PMI is optional, not essential — but can be useful if you want faster or more personalised care.
Prices vary based on:
On average:
Comparing quotes is the best way to get an accurate price.
Not usually. If you choose moratorium underwriting, you don’t need to submit medical records upfront.
For full underwriting, you’ll answer some health questions — but most people don’t need an exam or GP letter unless there are complex issues.
Yes. Most people do.
You can:
PMI is designed to work alongside, not replace, the NHS.
Yes — most insurers offer joint or family plans.
These can save money vs separate policies and often include extras for children (e.g. cover for broken bones, dental care).
📌 Some providers even let you manage family claims in one place via an app or portal.
Budget plans cover a smaller list of treatments, fewer hospitals, or limited outpatient care.
Full cover typically includes:
⚠️ Cheaper isn’t always better — always check what’s included and excluded.
No — we don’t sell or recommend insurance products.
We connect you to trusted, FCA-regulated PMI brokers and providers. They’ll explain your options, help compare plans, and ensure you get the right fit for your health and budget.
Yes. Most providers offer a 14-day cooling-off period, during which you can cancel and get a full refund if you haven’t made a claim.
After that, you can usually cancel at any time — but may need to give notice or pay for part of the year.
