Private Medical Insurance.
Faster access to private diagnosis and treatment for individuals, families and SMEs. Independent advice across all five major UK health insurers.
What is Private Medical Insurance?
Private Medical Insurance covers the cost of private healthcare for the conditions you choose to insure, giving you faster access to diagnosis, consultation and treatment than the NHS can typically offer. We sit on the client's side of the table: we hold direct agencies with Aviva, AXA, Bupa, Vitality and WPA, so the recommendation is genuinely whole-of-market. Our role is to translate plan documents into plain English and match cover to what you actually need, not to the most expensive policy.
Who it's for
Individuals and families
Faster access to diagnosis, scans and treatment when the NHS waiting list isn't workable.
SMEs
Group PMI as part of an employee benefits package, from a handful of staff up to 150+.
Renewing schemes
Companies refreshing existing group PMI schemes at renewal who want a real market test.
Business owners and directors
Personal PMI for directors and business owners who want cover for themselves and their family separately from any company arrangement.
What it covers
Inpatient treatment
Consultations, surgery and hospital stays as a private patient.
Day-patient treatment
Procedures and treatments that need a hospital bed but not an overnight stay.
Outpatient diagnostics & consultations
Specialist appointments, scans and tests without admission. Often the key differentiator between plans.
Mental health support
Inpatient and (on most plans) outpatient cover. Varies materially by insurer and plan.
Cancer cover
From diagnosis through treatment. Often comprehensive on mid-range plans and above.
Optional add-ons
Dental, optical and complementary therapy bolt-ons where they earn their place.
What drives the cost
Six factors do most of the work on your monthly premium.
Age
Premium rises with age band, particularly above 50.
Postcode
Regional pricing variation reflects underlying NHS and private capacity.
Level of cover
Basic, mid-range or comprehensive — each step up increases premium.
Voluntary excess
A higher excess (£100, £250, £500+) reduces the monthly cost.
Underwriting method
Moratorium or full medical underwriting — affects both pricing and exclusions.
Add-ons selected
Outpatient cover depth, mental health, cancer cover band, dental, optical, and complementary therapy options each push the premium up. We model these against what you actually claim, not what looks best on paper.
How to compare quotes properly
Comparing PMI on monthly premium alone is the quickest way to buy the wrong policy. The right comparison looks at the outpatient limit, mental health cover, cancer cover depth, hospital list and excess level — and weighs all of that against the household's or workforce's real medical situation.
That's what we do for every quote. We map the shortlist against your situation, give a named recommendation, and tell you why — in plain English.
Direct relationships across this market.
Frequently asked questions
How do I get a PMI quote?
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, then come back to you with tailored quotes from across our panel of major UK health insurers.
What information do you need from me?
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.
How does the underwriting work?
Underwriting is the process insurers use to decide what your policy will cover and how much it will cost. Moratorium underwriting excludes any pre-existing conditions you have had in the past five years, but those exclusions fall away after two years of continuous, symptom-free cover. 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.
What impacts the monthly premium?
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.
Ready to start the conversation?
Talk to a named adviser. No phone trees. No pressure. Just plain-English advice on the cover that fits your life or your business.