PremierPMI — UK private medical insurance specialists

PremierPMI is an independent, FCA-regulated UK private medical insurance brokerage and the health insurance division of Premier Insurance (established 1983). Led by Director Anik Islam, we arrange PMI for individuals, families, SMEs and corporate schemes across the United Kingdom, comparing the leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter and General & Medical.

We are a whole-of-market broker, not a price-comparison site and not tied to one insurer. You speak to a real broker who reads the policy wording, explains moratorium vs full medical underwriting, structures cover around how your household or workforce actually use healthcare, and represents you when you claim.

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Private medical insurance we arrange

• Individual PMI — personal health insurance with consultant choice and outpatient cover
• Family PMI — single plan for partners and children, with family-friendly excess and child cover
• SME health plans — group PMI for UK businesses with 2–249 employees, cutting absence and supporting retention
• Corporate schemes — bespoke arrangements for organisations with 250+ employees, including dedicated account management
• Switching cover (CPME) — moving from Bupa, AXA, Aviva or Vitality without losing existing underwriting
• Director-only PMI — tax-efficient health cover for limited-company directors
• Expat & international PMI — UK residents with global travel needs

Why members choose PremierPMI

• Whole-of-market — Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and more
• Independent, FCA-regulated brokerage — Financial Ombudsman Service and FSCS protections apply to retail members
• A real broker, not a comparison robot — same broker year on year
• Plain-English advice — moratorium vs full medical underwriting, hospital lists, outpatient limits, mental-health caps explained before you commit
• Claims advocacy included — we handle the insurer when you claim, at no extra cost
• Clean switching — continued personal medical exclusions (CPME) transfers between most major UK PMI insurers

How a PremierPMI quote works

1. Tell us about you — call 020 4525 0884, message WhatsApp 07515 703307, email contact@premierpmi.co.uk or request a callback.
2. A broker benchmarks the UK PMI market — we compare insurers against your medical history, budget and how you actually use healthcare, and present 2–3 plain-English options.
3. You bind cover and we stay with you — same broker at claim time, same broker at renewal.

Contact PremierPMI

• Phone: 020 4525 0884 (Mon–Fri 9am–5:30pm)
• WhatsApp: 07515 703307
• Email: contact@premierpmi.co.uk
• Hours: Monday to Friday, 09:00–17:30

Common questions about UK private medical insurance

Is private medical insurance worth it in the UK?

For most households the value sits in three things: speed of diagnosis, choice of consultant, and outpatient cover. NHS waits for elective treatment now routinely run past 18 weeks. PMI shortens that to days for scans and consultations and covers private surgery, physio and mental-health pathways.

How much does family health insurance cost in the UK?

A typical UK family of four pays roughly £130–£260 per month depending on age, postcode, hospital list and excess. London comprehensive plans sit higher; regional core plans sit lower.

Can I switch from Bupa to AXA without losing my cover?

Often yes — through a continued personal medical exclusions (CPME) switch, your existing underwriting transfers and any conditions already covered stay covered.

Does PMI cover pre-existing conditions?

It depends on your underwriting basis. Moratorium plans cover pre-existing conditions if you have been symptom, treatment and medication-free for typically two years. Full medical underwriting decides upfront which conditions are excluded.

Is private medical insurance tax-deductible for limited companies?

Group PMI premiums are an allowable business expense for the company and reduce corporation tax. The cover is a P11D benefit-in-kind for employees, so income tax and Class 1A NIC apply on the premium value.

Does PMI cover mental health?

Most modern UK PMI plans include outpatient psychiatric consultations, CBT and inpatient mental-health treatment up to per-policy-year limits. The variation between insurers is significant.

Is PremierPMI part of Premier Insurance?

Yes. PremierPMI is the private medical insurance division of Premier Insurance, a UK insurance brokerage established in 1983. Commercial, landlord and specialist business cover is arranged via the Premier Insurance brokerage at premier-insurance.co.uk.