Private medical insurance (PMI) in the UK covers the cost of private diagnosis and treatment for acute conditions. It does not replace NHS entitlement. Key variables are the hospital list (local, extended or national), outpatient cover limit, mental health cover, and whether pre-existing conditions are excluded. Premiums rise with age. Group PMI through an employer is typically cheaper than individual cover. All PMI providers must be FCA-authorised (FCA ICOBS, ABI, 2026). |
Best Private Health Insurance UK 2026 — Complete GuidePrivate health insurance gives you faster access to specialist treatment, greater choice of consultants and shorter waiting times. We compare the best UK providers and policies for 2026. 
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