Private Medical Insurance

Be rewarded for living a healthy lifestyle and be protected if you need treatment.

We can arrange private medical insurance for individuals, couples or families of any size.

Private Medical Insurance can be a great way to ensure you and your family has access to high quality private medical facilities and treatments. With NHS patients typically waiting up to 18 weeks for treatment in England it can provide a much quicker response for acute conditions.

At Ellis David we have access to several private medical schemes from different insurers and as an independent general insurance broker we are free to find and recommend the best products and providers for our customers. Our team will take the time to understand your insurance requirements and your budget and will use our industry expertise to find and tailor the right policy to meet your requirements.  

Get a quote

To discuss your insurance requirements please call us on 020 7354 3881 or email us through our contact page using the link below.

A few of the features available:


Covers diagnostic test and scans:

– Hospital or clinic charges
– Test interpretation charges
– Complicated diagnostic procedures
– Diagnostic scans and tests such as MRI


Hospital treatment and post treatment costs covered:

– Hospital treatment
– Out-patient therapies
– Post treatment out-patient consultations
– Post treatment tests and scans

Mental Health

The costs of mental health therapy covered:

– Eligible mental health treatment
– Mental Health therapy
– Well-being therapy
– Consultants or Therapists fees


Cash Benefits

Cash benefits paid for treatment via the NHS:

– For free NHS treatment covered by the policy
– NHS cash benefit for treatment
– NHS cancer treatment cash benefit

What is Private Medical Insurance?

Our range of private health insurance and protection products helps you get the treatment and care you need, promptly, by allowing you to access to private facilities,  thus bypassing NHS waiting lists.

Whether it’s a policy for just you, or every member of your family, we can help you focus on recovering, and getting back to health as soon as possible. 

Private Medical insurance will normally pay for the diagnosis of a condition or illness – so blood or allergy tests or an MRI scan – and the provision of prompt treatment of acute illness or injury.  This would also typically include operations and aftercare either in a private hospital or as a private patient in a NHS hospital.

Health insurance does not generally cover GP services, accident and emergency admissions nor the management of long-term conditions such as diabetes.

What does Private Medical Insurance cover?


Most policies cover the following treatment in the UK:

  • In-patient tests
  • Surgery as an in-patient or day patient
  • Hospital accommodation and nursing care
  • Radiotherapy and chemotherapy (cancer treatments)

Covered by some policies

The following may be covered or may be available as optional cover:

  • Out-patient consultations and treatment with a specialist
  • Out-patient tests, such as blood tests, x-rays and scans
  • Therapy – for example, physiotherapy and complementary therapies, such as osteopathy and chiropractic treatment
  • Overseas treatment
  • Psychiatric treatment
  • Cash payment for treatment received as an NHS in-patient

Not covered

The following are not generally included as part of a private medical insurance policy, but it does vary between insurance companies:

  • Conditions you had before taking out the insurance (commonly known as pre-existing conditions)
  • Going to a general practitioner (GP)
  • Going to an Accident or Emergency department (A&E)
  • Cover for long-term illnesses which cannot be cured (usually referred to as chronic conditions)
  • Injuries arising from dangerous hobbies (commonly known as hazardous pursuits)
  • Drug abuse; self-inflicted injuries; HIV/AIDS; normal pregnancy; mobility aids, such as wheelchairs; organ transplant; out-patient drugs and dressings; kidney dialysis; war risks; experimental or unproven treatment or drugs

How much is Private Medical Insurance?

There is no straightforward answer to the question of how much Private Medical Insurance costs as it depends on a number of factors including the type of cover required, ages and lifestyle of the policyholder, where you live and several other factors.

The costs of medical insurance in the UK has risen by 40% over the last ten years, but this has affected the individual, small and large business medical insurance markets differently.

Fortunately there are several private medical policies available on the market, each of which offer different levels of cover.  This means that it is normally possible to find a policy that meets your needs and your budget.

Our team can find a policy to suit the exact needs of you and your family.