The scope of cover
Policies can differ in the treatment and services they include. The detail matters: consider what is included, what is excluded and any limits.
Clarity about your private healthcare options.
Private medical insurance is a personal decision. We help you understand the options, what a policy covers and the limitations you should consider.
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Look beyond the headline premium.
Private medical insurance can help meet the cost of eligible private treatment, subject to the policy terms. It does not cover every condition, treatment or expense.
We provide fee-free advice in Edinburgh and across the UK, with one dedicated adviser helping you consider your needs and the options available.
The conversation can include your priorities, budget and any health insurance you already hold. Please keep medical details out of your initial enquiry; your adviser will explain how to provide them appropriately.
What Does Private Medical Insurance Cover?
PMI is designed to cover the cost of private medical treatment for acute conditions - those illnesses, injuries, or diseases that respond quickly to treatment, helping individuals recover fully or return to their previous state of health.
However, it typically does not cover treatment for long-term (chronic) conditions, where the focus is on managing symptoms rather than achieving a full recovery. These ongoing treatments remain under NHS care. Additionally, pre-existing conditions may not be covered immediately when taking out a plan, though they could be included in the future.
Flexible Plans for Individuals, Families & Businesses
- Personal Plans provide coverage for individuals and their families
- Business Schemes offer healthcare benefits for employees, ensuring workplace well-being and productivity
How Does Private Medical Insurance Work?
In most cases, treatment begins with a GP referral to a specialist - whether through your NHS GP or a private GP, often accessed via a dedicated app. From there, your private medical insurer manages the process, ensuring you receive timely and appropriate treatment.
How Does PMI Compare to the NHS?
Private medical insurance is designed to complement NHS services rather than replace them. While NHS care remains accessible, PMI provides faster access to acute treatments, including certain procedures that may not be available through the NHS due to cost.
With increasing pressure on NHS resources, private medical insurance offers a valuable alternative, ensuring quicker diagnosis and treatment while supporting overall healthcare needs.
Take Control of Your Health
Whether you're looking for personal medical coverage or a business healthcare plan, private medical insurance helps you stay in control of your healthcare - offering peace of mind and timely access to expert treatment.
What to consider
Understand the details before deciding.
Your share of the costs
An excess or other policy limits can affect what you pay when using cover. It is important to understand these alongside the regular premium.
Medical history and underwriting
Existing medical conditions can affect the terms offered. The insurer's approach to underwriting should be considered before choosing or changing a policy.
Existing arrangements
If you already have cover, discuss it before cancelling. A new policy may not provide the same terms or cover for the same conditions.
Part of the wider conversation
Healthcare and financial protection have different roles.
Private medical insurance is not a replacement for income protection or critical illness cover. Understanding those differences helps you consider the support you may need.
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Can you help me understand an existing policy?
Yes. Bring details of your current cover to the advice conversation so we can consider your existing arrangements and priorities.
Will all treatment be covered?
No. Eligibility, exclusions, limits and authorisation requirements depend on the policy. Your adviser can help explain the terms of the options you are considering.
Find a clearer starting point.
Talk through your healthcare priorities with your adviser.