Enabling faster access to treatment and greater peace of mind for individuals and families.
Private medical insurance gives you faster access to diagnosis and treatment in private hospitals and clinics. It covers eligible medical costs, helping you avoid NHS waiting lists and receive care at a time and place that suits you.
Policies can also include additional benefits such as access to virtual GPs, mental health support, and cancer care.
With NHS waiting times at record highs, even routine appointments and operations can be delayed for months.
Private medical insurance gives you faster access to consultations, diagnostic tests, and treatment at leading private hospitals. This means less time waiting and more time focusing on your health.
It also gives you choice over when and where you’re treated, helping you recover sooner and with greater peace of mind.
Private health insurance is a policy you pay for with a monthly premium. If you need treatment for a covered condition, you can make a claim through your insurer and receive care in a private hospital instead of waiting on the NHS.
In the UK, there are two main types of health insurance to choose from: treatment-only and comprehensive policies.
Treatment-only cover requires you to be diagnosed by the NHS before moving into private care for your treatment.
Comprehensive cover typically includes outpatient services, so both your diagnosis and treatment take place privately.
👉 At Health Cheque, we make it easy to compare private health insurance options in the UK — helping you choose cover that fits your budget, gives you faster access to treatment, and supports your long-term wellbeing.
Private Medical Insurance gives you access to the best consultants, latest treatments, and private hospitals – without long NHS waiting times. Get back to living life on your terms.
Many plans include extras like physiotherapy, mental health support, dental cover, or virtual GP access.
Immediate access to scans and specialists can detect conditions early, improving your prognosis.
Choose appointment times that suit your work, family, or travel plans.
Recover in a private room with hotel-style amenities and minimal interruptions.
Benefit from the latest drugs, technologies and treatments – often unavailable on the NHS.
Get seen by a consultant quickly and start treatment without delays.
Private Medical Insurance (PMI) is designed to cover the cost of acute medical treatment—that is, health conditions that arise suddenly and require prompt diagnosis and treatment.
It ensures you get fast access to care, helping you avoid long NHS waiting times and receive high-quality medical support in a private setting.
Unlike chronic or pre-existing conditions, PMI focuses on short-term, treatable health issues that improve with clinical intervention.
An acute condition is a medical issue that develops quickly, typically requiring short-term treatment and offering a strong chance of recovery. These conditions are often covered under most private medical insurance policies.
Note: Coverage can vary based on your chosen insurer and policy level. Always review the terms carefully or speak to an advisor to understand exactly what's included.
Know the limitations before you commit
Private medical insurance gives you fast access to high-quality care—but like any policy, it comes with certain exclusions. These are conditions or treatments your insurer typically won’t cover under standard plans.
Exclusions vary by insurer, so it’s essential to read the policy details or speak to an advisor for full clarity.
Got questions? We’re here to help you understand what’s included—and what’s not.
Finding the right private medical insurance (PMI) can feel overwhelming. At Health Cheque, we’ve been helping individuals, families, and businesses across the UK for over 20 years.
Our independent advisers compare leading insurers like Bupa, AXA, Aviva, and Vitality to make sure you get the right cover at the right price — wherever you’re based, from London to Manchester, Birmingham to Bristol, and nationwide.
Why people choose Health Cheque
With nearly two decades of experience, Health Cheque has built a reputation for clear, impartial advice in the private health insurance market. We focus on simplifying the complex, guiding clients through their options with transparency and care. Whether reviewing existing cover or exploring new policies, our priority is helping individuals, families, and businesses make confident, informed choices.
