Private medical insurance

When health is on hold,having options matters.

Private medical insurance can give you more choice about eligible diagnosis and treatment.

C&D helps individuals, families and businesses choose cover around the care they value and the budget they have. We make the trade-offs clear before you commit.

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PMI insurers we work with

We can help you explore cover from Bupa, AXA, Aviva and Vitality. Availability and policy terms depend on your circumstances.

Why people consider PMI

More control over a difficult moment.

When you need answers about your health, you may want access to private specialists, tests or treatment, and a choice of hospitals or consultants. Private medical insurance can pay for eligible care within the limits of your policy.

It complements the NHS. It is different from life, critical illness and income protection: PMI helps with eligible medical costs, while the other policies address financial consequences.

Choose what matters

Shape the cover around your priorities.

Individual or family

Consider who needs cover and whether the same choices suit each person.

Outpatient access

Consultations, diagnostics and therapies can carry limits. We will explain what is included.

Hospitals, cancer care and excess

Hospital lists, cancer options and what you pay towards a claim can all affect cost and value.

For your team, too.

A business policy can be a valued benefit for employees and their families. We can help employers consider who to include, the level of cover and how a plan will be administered.

For individuals and businesses, we will explain the underwriting approach, treatment of pre-existing conditions, exclusions and what may change at renewal.

Discuss a business or family plan →

Common questions

What you may be wondering.

Does PMI cover pre-existing conditions?

Often these are excluded, but the position depends on the underwriting method and policy. We will explain how your medical history is treated.

Can I choose my hospital?

Your choice depends on the hospital list and policy you select. We will compare options that match the places you would want to use.

Is PMI only for people in higher-risk occupations?

No. We help UK-resident individuals, families and businesses compare private medical insurance whether or not their occupation is considered higher risk.

The important details

The fine print matters.

Private medical insurance is not a substitute for emergency services, and it is not automatically international health cover. Where you live, where you work and where you want treatment are all worth discussing.

Policy eligibility and benefits vary. Your adviser can help you identify the questions to ask, but only the insurer's policy documents and underwriting decision confirm what is covered.

Check before you choose

Existing conditions. Pre-existing conditions and related symptoms are usually excluded, depending on underwriting.
Ongoing care. Chronic conditions are commonly excluded, though some policy-specific exceptions may apply.
Emergency treatment. PMI generally does not cover accident and emergency care.
Overseas treatment. UK PMI generally does not include treatment abroad; ask about geographic terms and eligibility if your work takes you overseas.

Let’s talk about the cover you need.

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