Private Medical Insurance from The Broking Group.

Getting a Private Medical Insurance quote from The Broking Group takes one 20-minute call. You can request a quote through this website, by phone on 01270 694939, or by emailing info@thebrokinggroup.co.uk. We discuss what you want covered, your budget, and any specific health or lifestyle factors. For personal or family cover we come back same day or the next working day; for SME group PMI, quotes typically land within 48 hours for schemes up to nine lives and within 72 to 96 hours for larger schemes.

To prepare a Private Medical Insurance quote we need your name and date of birth, your home postcode, who you want to include on the policy (just you, partner, children, or wider family), and an indication of the level of cover you are looking for. For more accurate quotes, knowing your existing health conditions and your preferred underwriting method (moratorium or full medical underwriting) helps us narrow the options.

Underwriting is the process insurers use to decide what your policy will cover and how much it will cost. Moratorium underwriting usually excludes conditions you had symptoms of, or treatment or advice for, in a set period before cover starts, often five years. An exclusion may be lifted after a set period of continuous cover, often two years, if you meet that insurer's conditions. These can include having no symptoms, treatment, medication or advice for the condition. Terms vary by insurer. Full medical underwriting reviews your medical history upfront and decides on any specific exclusions before the policy starts. We talk you through which is right for your situation before you commit.

Five main factors influence your Private Medical Insurance monthly premium. Age (older lives cost more to cover). Postcode (regional pricing variations). Level of cover (basic vs comprehensive). Excess (a higher voluntary excess reduces the monthly premium). Underwriting method (moratorium or full medical underwriting). Add-ons like outpatient cover, mental health, or dental will also push the premium up. We model these for you before you decide.

A private medical insurance broker compares policies from several insurers, explains the differences in plain English and arranges the cover on the client's behalf. The Broking Group is a UK broker based in Nantwich, Cheshire, and an appointed representative of Insure Life Limited, which is authorised and regulated by the Financial Conduct Authority. We hold direct agencies with Aviva, AXA, Bupa, Vitality and WPA, and we stay with you at renewal.

UK private medical insurance is generally designed for treatment in the UK. Some policies include limited emergency cover while you travel, but terms vary by insurer. If you live or work abroad for long periods, international private medical insurance is usually the better match. See our International Healthcare page.

If your Private Medical Insurance premium rises at renewal, compare the renewal terms and alternative quotes on the same cover and underwriting basis before deciding. Ask the current insurer to explain the increase. Review the excess, outpatient limit and hospital list, checking what any change would mean for the treatment you need. Switching on continued or equivalent terms aims to carry existing exclusions across without adding new ones, if the new insurer agrees to accept the cover on that basis. It does not guarantee that every benefit, limit or condition of the current policy is matched, so we compare both policies before you move. Do not cancel existing cover before the new insurer has confirmed acceptance, terms and the start date. A review does not guarantee a saving.