Family Medical Insurance

Protecting you and your families health

  • Get rapid access to private healthcare specialists
  • Give yourself peace of mind knowing you are covered
  • Private medical facilities and treatment costs covered

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What is private medical insurance?

Private Medical Insurance is designed to cover the cost of acute medical conditions, and affords you the option of rapid access to a healthcare specialist if you require medical treatment. It allows you to avoid NHS waiting lists and receive fast consultations and private treatment for acute medical problems.

Private healthcare patients can enjoy the benefits of being treated at a facility and specialist of their choice at a time of their choosing, boosting recovery times and chances of getting through a situation with as little stress as possible. Enjoying the benefit of a private room with ensuite facilities and personalised care can be a real game changer in terms of the experience of the illness.

It can also cover extras such as Therapies, Psychiatric care, Optical and Dental Benefits , Specialist Heart and Cancer Care and Emergency Abroad. Some Specialist drugs and treatments may also be available that are not available on the NHS.

In short, it can enable you to avoid having to wait for treatment. You and your dependants can receive treatment in the UK at a time that suits you. You can be in more comfortable surroundings in a private room rather than an NHS ward. You can be treated as a private patient at a hospital and by a specialist of your choice. Private Medical Insurance brings peace of mind.

What does PMI cover?

Private Medical Insurance consists of different elements.

Policies are normally split into three levels of cover, Basis, Mid-Range and Comprehensive. Each offers a different level of protection.

Basic Cover 

Normally consists of Inpatient and Day Patient treatment, covering hospital stays, diagnostic tests and operations.


Policies provide a more cover to comprehensive policies, with the exception of certain benefits. One difference of note is that there is usually a limit on Outpatient Cover it provides.


Policies provide the comprehensive level of cover available, with no limits applies to the Outpatient Cover as well as depending on the particular products no limits to the other elements. It may also provide added benefits such as full London hospital listings, travel insurance, extensive cancer and psychiatric cover, travel insurance, complementary and alternative therapies, dental and optical benefits and health screenings.

A policy may also have other options such as

  • Outpatient Cover
  • Therapies
  • Mental Health
  • Psychiatric
  • Dental
  • Optical
  • Heart
  • Cancer Cover

Depending on the policy, there may be added benefit option like Travel cover and Extra Care Benefits.

How does PMI work?

  • If a policy holder needs to use their policy, the claim must be activated through an initial GP referral.
  • The claimant will contact the insurer and notify them of the GP referral to go and see a particular consultant or receive some form of test or treatment.
  • The insure evaluates the claim, and subject to the policyholders level of cover and policy terms, will authorise the claim.
  • The patient can then go for the treatment required be it Inpatient/ Day patient, Diagnostic Testing or for Outpatient treatment.
  • Insurers have different claims processes so care should be made to follow the correct procedure to ensure a successful claim.
  • It should be noted that if a claimant only has a basic policy with no Outpatient Cover then diagnostic testing and initial consultations will have to be done via the NHS, with private treatment available thereafter.

How can Lifepoint help you?

We are Health Insurance experts able to provide you with a comprehensive medical insurance offering. We provide independent advice to new and existing policyholders across the UK. We are whole of market brokers who work on your behalf with your benefit in mind when choosing the correct policy. This means we don’t work for just one insurer and have a large choice of products to choose from.

We have access to all the main insurers, including Bupa, Axa, Aviva, Vitality, each with a variety of products and options available. Every client has different and diverse needs and each case needs to be managed uniquely and appropriately.

Our specialists are knowledgeable, friendly, fully compliant and continuously educated on each of the products we advise on. Making sure we are best suited to advise you correctly.

Our excellent relationships with the insurers, underwriters and processing teams allow us to facilitate a smooth, professional service, and guide you through the entire process of taking out a Private Medical Insurance Policy to your satisfaction including an incredible aftercare service. We are here to help you and our service is non obligatory and free of charge.

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