Private medical insurance explained: what it covers
Private medical insurance in plain English: what it covers, acute versus chronic conditions, the levels of cover, how it works alongside the NHS, and what affects the cost.
Is private health insurance worth it in the UK?
Is private health insurance worth it? The case for and against, what PMI is good and bad for, weighing cost against benefit, the alternatives, and who tends to benefit.
How private medical insurance works alongside the NHS
How private medical insurance works alongside the NHS: why it complements rather than replaces it, emergencies, GP referrals, chronic care, mixing NHS and private, and NHS cash benefit.
Why do private medical insurance premiums rise every year?
Why private medical insurance premiums rise every year: age and medical inflation, record claims, NHS pressure and new treatments, plus what you can do to manage the cost.
Company vs personal private medical insurance
Company versus personal private medical insurance: the cost and tax differences, the pros and cons of each, and what happens to your cover when you leave a job.
What private health insurance does NOT cover
What private health insurance does not cover: chronic and pre-existing conditions, emergencies, GP care, routine pregnancy, cosmetic procedures and other common exclusions.
Private medical insurance for the over-60s
Private medical insurance for the over-60s: whether you can get it, why it costs more, whether it is worth it, how to manage the cost, and cheaper alternatives.
Moratorium vs full medical underwriting
Moratorium versus full medical underwriting explained: how each handles pre-existing conditions, the trade-off between convenience and certainty, which suits whom, and switching.
Dental insurance explained
Dental insurance explained: the types of dental cover, what they pay for, NHS versus private dentistry, waiting periods and exclusions, and whether dental cover is worth it.
Health cash plans: a cheaper alternative to full PMI?
Health cash plans explained: how they pay cash back towards everyday health costs like dental and optical, how they differ from PMI, what they cover, and who they suit.
Private health insurance for families and children
Private health insurance for families and children: how family policies work, what is covered for children, adding a newborn, individual underwriting, and choosing cover.
Outpatient cover and choosing your level of cover
Outpatient cover and PMI levels explained: inpatient and day-patient core cover, why outpatient cover matters, optional modules, excess, hospital lists and the six-week wait option.