When it comes to looking after your health and your family’s wellbeing, private medical insurance (PMI) can make a world of difference. With NHS waiting lists at record highs, more people across the UK are turning to private healthcare for faster access to treatment, greater comfort, and peace of mind.
If you’ve ever wondered how private medical insurance works, what it covers, or how to choose the right policy, this guide will walk you through everything you need to know and how Medical Made Easy can help you find the best cover for your needs.
What Is Private Medical Insurance?
Private medical insurance is a policy designed to cover the cost of private healthcare from consultations and diagnostics to hospital treatment and aftercare. Instead of relying solely on the NHS, private health insurance gives you the flexibility to choose when, where, and by whom you’re treated.
With private health insurance, you can expect:
Quicker access to medical appointments and treatment.
Access to a wider range of drugs and therapies.
Private hospital rooms with en-suite facilities.
Personalised care in comfortable, quiet surroundings.
We help individuals, families, and businesses find policies that offer the right level of protection — so you’re always covered when you need it most.
How Private Medical Insurance Works
When you take out a private medical insurance policy, you pay a monthly or annual premium. In return, your insurer covers the cost of eligible private medical treatment, either in full or in part, depending on your plan.
If you become unwell or need treatment:
You visit your GP or use a virtual GP service (many policies now include this). Your GP refers you to a specialist or for tests. You contact your insurer for pre-authorisation. You attend your appointment at a private hospital or clinic.
Your insurer pays the costs directly to the healthcare provider so you can focus on getting better, not worrying about the bill.
What to Expect From a Good Policy
Every plan is different, but most UK private medical insurance policies include:
Specialist consultations and diagnostic tests (MRI, CT scans, blood tests, etc.). Hospital stays and surgery in private facilities. Cancer treatment, including access to advanced drugs. Physiotherapy and rehabilitation support. Mental health care and counselling.
Optional extras can include dental cover, optical care, and alternative therapies such as acupuncture or chiropractic treatment.
How Medical Made Easy Can Help
Choosing the right private medical insurance can feel confusing with dozens of providers, varying levels of cover, and complex terms to compare. That’s where we come in.
At Medical Made Easy, we:
Search the entire market to find policies tailored to you. Offer independent, transparent advice so you are not tied to any single insurer. We help you understand what’s covered (and what’s not). Review your policy every year to ensure it still offers the best value. Provide ongoing support when you need to make a claim.
Whether you’re a business owner, employee, or individual, our goal is to make healthcare straightforward, affordable, and stress-free.
Take Control of Your Health
Don’t wait until you’re facing a long NHS delay or unexpected medical bill. With Medical Made Easy, you can get expert advice, compare leading insurers, and find private medical insurance that truly fits your life and budget.
Get in touch with Medical Made Easy today to find out how we can help you secure fast, reliable, and comprehensive healthcare — made simple.