Private Medical Insurance

A private medical insurance policy can help to protect your health and wellbeing and will also offer you more choice over your care in the event that you become unwell. 

Read on to find out how HISL Brokers Limited could help you find a private medical insurance policy that meets your needs.

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What is private medical insurance?

A private medical insurance policy will provide you with private medical cover in the event that you are unwell. 

In the UK, medical treatment is provided free of charge (for most residents) by the NHS, however waiting times for appointments and treatment can be long, and you may want to supplement this with some private medical insurance to ensure that you are seen by a medical professional more quickly. 

Not only can a private medical insurance policy be flexibly adapted to meet your needs, it can also allow you to choose where and when you will receive care too.

Types of private medical insurance

There are four main types of private medical insurance that you can consider:

  1. Individual private medical insurance: provides cover for one person’s medical needs
  2. Family private medical insurance: provides cover for you, your partner and children
  3. Joint private medical insurance: provides cover for two people, usually you and your partner
  4. Children’s private medical insurance: Children can have their own private medical insurance or they can be added to your policy.

What private medical insurance covers

A private medical insurance policy can help to provide cover for the following:


  • Access to private medical facilities: These will often include a private room with an en-suite bathroom, TV and WiFi.
  • Faster appointments: Often you will get faster appointments which will lead to quicker diagnosis and treatment and less disruption for your business.
  • Outpatient cover (including consultations, x-rays and diagnostics).
  • CT, MRI and PET scans as an outpatient: Provides a greater choice and flexibility of diagnostic options.
  • Medication: Covers the cost of medicines that are prescribed.
  • Dental treatments (including dental examinations, x-rays, scale and polish).
  • Prescription delivery.
  • Physiotherapy: NHS waiting lists for physiotherapy can mean that you may not receive treatment for several weeks, and a private medical policy can provide much more flexibility.
  • Chiropractic treatments.
  • Cancer cover.
  • Online medical consultations: Provides more flexibility with appointment times which will lead to less disruption.
  • Hospital treatment: Provides more choice in regards to where you’re treated.
  • Health checks (including diabetes checks): Ensures you are fully aware of any changes to your own health or wellbeing.
  • Flu vaccinations.
  • Mental health (including counselling sessions).


It is important to be aware that some annual limits will apply, and that these are just examples of some of the private medical insurance cover that we can arrange at HISL Brokers Limited. As we know that no two individuals are the same, speak to us today to find out which covers we can arrange.

Do I need private medical insurance?

As previously mentioned, private medical insurance can help to provide you with medical care in the event that you want to supplement the services that are offered free of charge by the NHS. If you don’t have health insurance plans in place, you may find it difficult to pay for the cost of private treatment in these instances, and having a policy in place can help to offer you peace of mind. 

Before taking out private medical insurance, it is important to check whether an employee health insurance policy is provided by your employer as part of your benefits package.

In addition, it is also important to be aware that as children get priority treatment on the NHS, if you are concerned about your child getting sick then you may not need to have private medical insurance cover in place for them.

How much does private medical insurance cost?

The premium that you will pay for your private medical insurance policy will depend on your medical history, the level of cover that you need and the amount of cover that you will need to take out. For example, you may choose to take out a basic policy, or one that is more comprehensive and covers more conditions and treatments. 

At HISL Brokers Limitedwe understand that cost is important to you, but it is crucial to ensure that you are properly protected. With that in mind, we will take the time to understand your specific needs and recommend the amount of cover that is best suited to you.

What else do I need to know about private medical insurance?

With private health insurance policies there will be some exclusions. These may include:

  • Chronic illnesses including HIV/AIDs, diabetes, epilepsy and hypertension.
  • Organ transplants.
  • Pre-existing conditions.
  • Menopause.
  • Allergies.
  • Gender reassignment.
  • Ageing.
  • Cosmetic surgery.
  • Weight loss treatment.
  • Pregnancy and childbirth.
  • Issues with speech, sight and hearing.


In addition, you may also choose to add critical illness cover to your private medical insurance policy, which can cover the costs of treating a heart attack, being diagnosed with a life-threatening medical condition or requiring an organ transplant.

How can I get private medical insurance?

HISL Brokers Limited have a team of experienced advisers ready to help you get the right protection in place for your family.  

We will take the time to understand your specific needs and are committed to delivering a completely personalised service, ensuring that you have the best possible cover at the best possible price.

To find out how much peace of mind costs, contact Paul Kerner by calling: (0)20 7220 9020.