Private Medical Insurance

Expert help finding your Private Medical Insurance

Ensuring you, and your family, have access to the best healthcare.

We understand private medical insurance

With the right health insurance policy, you can access private healthcare quickly, helping you avoid long NHS waiting lists and receive consultations, diagnoses, and treatment sooner.

At Pangea Life, our insurance specialists help individuals and families find the right private medical insurance by comparing leading insurers, ensuring you get the cover that best suits your needs and budget.

With private medical insurance, you may also gain access to a broader range of healthcare services and treatment options. Private hospitals often provide:

Faster access to specialists and consultants
A wide range of diagnostic tests and treatments
Rehabilitation services such as physiotherapy
Comfortable private hospital facilities

frequently asked questions

What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that helps cover the cost of private healthcare if you become ill or need medical treatment. Instead of relying solely on NHS services, you can access private hospitals, consultants, and diagnostic tests more quickly. Policies typically cover eligible treatment costs up to the limits outlined in your plan.
What does Private Medical Insurance typically cover?
Most private medical insurance policies cover the diagnosis and treatment of new medical conditions. This can include:

Specialist consultations
Diagnostic tests such as scans or blood tests
Hospital treatment and surgery
Private hospital stays
Follow-up appointments and rehabilitation such as physiotherapy

The exact cover will depend on the insurer and the level of cover you choose.
What is not usually covered by Private Health Insurance?
Private medical insurance generally does not cover pre-existing conditions, routine pregnancy care, cosmetic procedures, or emergency treatment normally provided by the NHS. Policies may also exclude chronic conditions that require ongoing long-term management.

As an insurance specialist, our team at Pangea Life can help explain policy exclusions and ensure you choose the most suitable cover.
How much does Private Medical Insurance cost?
The cost of private medical insurance varies depending on factors such as:

Your age
Where you live in the UK
Your medical history
The level of cover selected
The excess you choose

Many individuals can tailor their policies to suit their budget. Our insurance specialists at Pangea Life can compare policies from multiple providers to help you find competitive cover.
Can I still use the NHS if I have Private Medical cover?
Yes. Having private medical insurance does not replace the NHS. Many people use the NHS for emergency care and routine services, while using private healthcare for faster specialist treatment when needed.
When can I use my Private Medical Insurance policy?
You can typically use your private medical insurance when your GP refers you for specialist diagnosis or treatment for a new condition that began after your policy started. Some policies may also offer access to digital GP services or health advice lines.