Personal Medical Insurance

Get the care and attention you need to look after yourself

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What is Personal Medical Insurance?

You may be wondering why you’d need Personal Medical Insurance when, like most UK residents, you’re entitled to free healthcare from the NHS.

Health Insurance pays for some (or all) of your medical bills if you’re treated privately. It gives you a choice of the level of care you’ll get and how and when it’s provided.

Like all insurance, the cover you get depends on the specific insurance policy you decide to buy. Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) as well as day-care surgery. Some policies extend to out-patient treatments (such as specialists and consultants) and may pay you a small fixed amount for each night you spend in a NHS hospital.

TIP: The term ‘Personal’ Medical Insurance & ‘Private’ Medical Insurance are often used interchangeably.

Who needs Personal Medical Insurance?

You get free treatment on the NHS, so you only really need private medical insurance if:

  • You want to avoid NHS waiting lists for treatments or procedures.
  • You think you may be more comfortable in a private hospital, where possible.
  • You’d like to be covered for medications and treatment that may be unavailable through the NHS, like specialist surgery for sports-related injuries.

It’s worth knowing that even if you have Medical Insurance, it doesn’t affect your eligibility to be eligible for NHS services.

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How will it help me?

You don’t have to take out private medical insurance – but if you don’t want to use the NHS, you may find it difficult to pay for private treatment without insurance, especially for more serious conditions.

It can be good value if you think you might need specialist treatment at some point, which is inherently expensive.

If you’re a sporting enthusiast, for example, you might want access to specialist private treatment that isn’t available in the NHS – like surgeons and experts who only do private work.

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Why use QuoteSOS?

At QuoteSOS we’ve partnered up with some of the most trusted names in the industry to make sure the cover and level of service you receive is exemplary, every step of the way.

It can feel daunting when taking out insurance, especially when it’s for a product you’re not familiar with & there’s lots of technical jargon to wade through.

At QuoteSOS, we pride ourselves on the ability to keep things refreshingly simple. We think you should be able to find out all the key information you need to know in a single place, that’s easy to understand and genuinely helpful.

Generally, most people know roughly what they want covered, but usually there’s a few things they need clarifying before they decide on a policy.

Because we’re committed to keeping things simple, to get a quote with us, we’ll just ask you a few quick questions to place you with one of our trusted partners - they will then be able to create a personalised quote just for you.