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Speak with our expert team to discuss your requirements
What is Domestic Private Health Insurance?
Domestic health insurance (often called Private Medical Insurance or PMI in the UK) is a policy that gives you access to private healthcare within your country of residence — usually limited to a national network of private hospitals and clinics. It can speed up access to treatment, bypass NHS queues, and offer more comfortable facilities — but it comes with strict geographic and provider limitations.
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What Domestic Health Insurance Policy Do I Need?
Inpatient Only - The entry-level option.
Covers hospital admissions and cancer. Good if you’re on a tight budget—but be warned: most claims will not be related to hospital stay.
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A more complete plan. Includes tests, scans, specialist consults—basically, everything you’re most likely to actually use, however will have an overall limitы on the outpatient spend.
Inpatient + Limited outpatient.
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Not all UK PMI policies are the same — and choosing one without understanding the tiers is a shortcut to frustration. Here’s a rough breakdown:
Includes full inpatient, full outpatient and full cancer. Most common option of cover among our clients.
Full Cover.
1. We start with a proper conversation.
2. We searh the entire Market.
Not a form. Not a quote engine. Just a real conversation where we learn about your life, your priorities, your risks. We only ask what matters and take things on board.
You won’t get a list of 27 identical PDFs. We compare providers based on claims handling, benefits, and what actually works for people like you. Then we send you one clean, plain-English recommendation report — explaining what we had pick in your shoes.
3. You decide – we handle everything.
Once you're happy, we will handle the entire application — forms, underwriting, back-and-forths. You don’t chase. You don’t call. You don’t repeat yourself. That’s our job.
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When your cover goes live, we don’t disappear. That’s when we are officially joining “your team.” Whether it’s a claim, a billing issue, a renewal, or negotiating with the insurer — we step in and sort it. No switchboards. No ticket numbers. Just one person to deal with.
4. This is where the real work begins.
How It Works
FAQ
Private Medical Insurance (PMI) gives you access to fast, high-quality private healthcare in the UK. Whether you’re looking to skip NHS waiting lists, see a private specialist, or get treatment in a top private hospital — PMI helps you take control of your care, on your terms. It covers everything from diagnostics and surgery to cancer treatment, outpatient support and more — depending on the level of cover you choose.
NHS is brilliant — but overstretched. The NHS will always be there in an emergency. But non-urgent care? You could be waiting months. PMI helps you access prompt treatment, leading consultants, and modern facilities, all without the delays.
There isn’t “one fit all” solution and before considering the right option you need to ask yourself what exactly you need this policy for. Don’t worry, we work with all major UK health insurers and tailor policies to your budget, medical needs, and family setup to make sure that you needs are covered.
We’ll happily review it, explain what’s covered (and what’s not), and/or help you get more value from your current provider. If it’s right for you — great. If there’s a better option out there — we’ll show you what that looks like.
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