What is Health Insurance

It’s designed to get you back on your feet fast with treatment outside of the NHS. By signing up for a policy, you and your insurer agree that if you get sick or injured, they’ll help get you back to the state of health you had when you first signed up. The best part? No waiting around in endless queues—PMI covers diagnostics and treatment at private hospitals directly.

The three ways to buy private medical insurance


Direct with an Insurer

Lowest Prices Guaranteed

Reach out to big names like Bupa or Aviva, Which can be very time comsuming & more expensive.

Insured Health

Free, No-Obligation Advice

Experts in health insurance, offering dedicated support to help you find the perfect policy at the very best rate available.

Buy Online

Free, No-Obligation Advice

Fast and easy but can be like navigating a maze with all the terms, conditions, and fine print.

Why Choose Insured Health.

Expert Guidance Insurance jargon can feel like a foreign language, but our friendly advisors explain everything clearly, in plain English.

Exclusive Discounts Yes, really! We often have access to special deals you won’t get on your own.

Hassle-Free Claims Need to file a claim? Don’t worry—we’ll guide you through the process, making it as smooth as possible.

Simplified Comparison With countless options available, finding the right policy can be overwhelming. We compare plans to find the best match for your needs and budget.

No Online Overload Shopping online often leads to confusion and fine-print fatigue. We make it straightforward, clear, and tailored just for you.

And here’s the best part: totally free! our service is 100% free! You get our expertise without paying a penny—your premium stays the same (or even lower) as if you went direct, minus the hassle.

If that's not enough reasons, check out our reviews.

Instant Quote

Whats in a PMI Policy.

Core Cover

In-Patient Cover: For when you need to stay overnight in hospital, this covers your room, specialist fees, tests, and treatments.

Day-Patient Cover: If you’re in and out on the same day, this still covers all the same services.

Extras You Can Add

Dental and Optical: For when your teeth need attention or you want to improve your vision.

Travel: Comprehensive travel insurance with medical coverage for emergencies abroad.

Psychiatric and Therapies: Support for mental health issues, as well as treatments like physiotherapy and chiropractic care.

Excess:Want to reduce your premiums? Opt for a voluntary excess and agree to pay the first part of any claim—simple as that!


What’s Covered and What’s Not?

What You Get

Coverage for acute medical conditions such as cancer, heart problems, strokes, sports injuries, mental health, and alternative therapies. Access to the latest treatments and medicines, including those not available through the NHS.

What You Don't Get

Emergency services, chronic conditions, and high-risk sports are typically excluded. Any services best handled by the NHS, such as maternity care and A&E.


Cancer Cover Options.

Basic Diagnosis is covered under out-patient limits, with treatment included under in-patient and day-patient cover.

Full Coverage Add On Comprehensive diagnosis and treatment, with no limits.

NHS Assistants Access to high-cost or experimental drugs not typically available via the NHS.


Underwriting

Full Medical Underwriting (FMU)

Disclose your complete medical history upfront. The insurer may permanently exclude certain conditions, but you will know exactly what is covered.

Moratorium Underwriting

No need to disclose your history initially, but conditions you’ve had in the past five years won’t be covered for the first two years. If you remain symptom-free for two years, these conditions may be covered after that.

Renewals and Switching

Once your policy reaches the one-year mark, it’s time to renew or switch providers. Insured Health is here to make this process simple, helping you find the best deal while ensuring continuous coverage.


Where Does the NHS Fit In?

Think of PMI as the ideal complement to the NHS, not a replacement. While the NHS covers emergency care, maternity, and chronic conditions, PMI provides additional coverage for acute conditions and faster treatment options.

Ready to explore your options? Let Insured Health guide you with free, friendly advice.


Instant Quote