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.
3
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
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