Time to answers
Eligible outpatient consultations, tests and scans can create a quicker route from concern to diagnosis.
For individuals and families
Build a private care route around the life you actually live.
Whether you want quicker access to eligible diagnosis, more hospital choice or a clearer family safety net, we help turn a crowded market into an advised decision.
✓ No medical history is collected in this first enquiry
The ordinary morning worth protecting
Your most valuable plans are the people sitting beside you.
A health concern rarely arrives at a convenient time. It enters breakfast, work, school runs and every future plan. PMI cannot promise an outcome—but suitable cover can add an eligible private route to answers and treatment when time feels unusually precious.
Build my cover brief →PMI is about control—not abandoning the NHS.
The NHS remains vital for emergencies, chronic care and services a private policy may not cover. PMI can complement it by funding eligible private investigation and treatment, subject to underwriting, limits, exclusions and pre-authorisation.
Why act before you need treatment
What the right policy can change
Choice of care
Hospital lists, consultant routes and guided-care options can shape where and by whom you are treated.
Family continuity
One review can consider a partner, children, family excesses and different needs under one arrangement.
Support beyond hospital
Depending on cover, mental health, therapies, virtual GP and cancer support may sit alongside core treatment.
A good comparison goes beneath the headline premium
Core treatment
Understand inpatient and day-patient treatment, surgery, hospital charges and specialist fees.
- Hospital network
- Consultant fee rules
- Cancer scope
- NHS cash benefits
Outpatient access
Low-cost plans may cap or exclude consultations, diagnostics and therapies before hospital admission.
- Consultation limits
- MRI/CT/PET access
- Physiotherapy
- Mental health
Underwriting
How medical history is assessed can materially affect what is covered now and later.
- Full medical underwriting
- Moratorium
- Switch terms
- Personal exclusions
Important: Private medical insurance usually covers eligible new acute conditions. Pre-existing conditions, chronic conditions, pregnancy, routine care and emergencies are commonly limited or excluded; exact terms vary.
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Your journey, in your hands
An adviser at your fingertips. Never in your way.
Start on the website, then continue securely in the Finance Magic Client App. Message a regulated adviser when you want help, pause when you want thinking space, and keep the application moving without an outbound pressure call.
- Complete the digital fact-find at your pace
- Chat with an adviser when you choose
- Review recommendations and product documents online
- Upload documents securely and follow application status
- Manage cases and products from your phone
Advice, not pressure. Human support remains available when you request it or where complexity, vulnerability or regulatory obligations make it appropriate. Adviser response times and availability are subject to published service hours.
Clear before you commit
Questions worth asking
Will private medical insurance cover a condition I already have?
Often not immediately, and sometimes not at all. The answer depends on underwriting, previous cover and insurer terms. We explain the effect before you decide.
Does PMI cover emergencies?
It is generally not a replacement for NHS emergency services. Call 999 or use NHS urgent and emergency care when appropriate.
Can I switch insurer at renewal?
Potentially, but switch underwriting and continuity of cover must be checked carefully. Never cancel existing cover until replacement terms are confirmed.
What affects the premium?
Age, postcode, cover level, hospital list, outpatient benefits, excess, underwriting, claims or no-claims rules and who is covered can all matter.
