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Private Medical (and Dental) Insurance 

Private Medical (and Dental) Insurance 

Private medical insurance (PMI) - sometimes referred to as health insurance - is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment for certain conditions thereby avoiding the need to use the National Health Service. 


PMI will generally cover you for ‘acute conditions’, such as a hip replacement or having a hernia removed. You can buy different types of policies that offer various levels of cover, at varying costs. This could include fast-track diagnostics for cancer or access to different cancer treatments not currently available on the NHS. 

The monthly subscription covers all or some of the cost of treatment for acute conditions covered by the policy that develop after your health insurance policy has begun.


Basic policies typically cover: 

a) any in-patient treatment that you might need, such as surgery; and 

b) the cost of your hospital stays. 

More extensive policies might also include out-patient treatment, which covers the expense of seeing specialists and consultants, as well as the cost of undergoing diagnostic or follow-up tests.  

In some policies you may also have the option of tailoring policies with add ons such as:


a) dental care 

b) eye care 

c) physiotherapy 

d) homoeopathy 

e) mental health support 

f) pregnancy or maternity services 

If you want health insurance that covers someone other than yourself, you may also be able to cover loved one such as your children and/ or partner or spouse.  

It is therefore essential that the specific wording of each policy is considered very carefully to ensure that it meets your specific needs. 

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