Frequently asked questions
Your questions, answered plainly.
Everything you might want to know about private medical insurance and how we work — no jargon, no sales pitch. Can’t find it here? Just ask.
Start my comparisonAbout us
About ComparePMI
ComparePMI is an independent, wide-panel private medical insurance comparison and introduction service for individuals, families and businesses across the UK. We’re independent: not owned by or tied to any insurer. We compare a wide panel and, if you want advice, introduce you to an FCA-authorised adviser who provides it.
The basics
Private medical insurance, explained
Private medical insurance (PMI) pays for the private diagnosis and treatment of new, short-term (“acute”) conditions — letting you skip NHS waiting lists and choose when, where and by whom you’re treated.
Cost
Price & payment
There’s no single price — it depends on your age, location, the level of cover, your excess and any extras. We’ll get you real figures across a wide panel of insurers. Our guide breaks it down: How much does private health insurance cost?
Getting a quote
The process
Getting started takes a couple of minutes online or by phone. A full comparison usually takes just one short conversation. Start your free comparison.
For business
Business & self-employed
Yes — group schemes for employers of any size: group private medical insurance, group life assurance (death in service), group income protection, group critical illness, key man insurance and shareholder protection. Visit our business & group page.
After you’re covered
Claims & contact
You contact your insurer, or the FCA-authorised firm that arranged your cover, and they help you through it. Most claims need a GP referral and pre-authorisation from the insurer before treatment. See our step-by-step guide to claiming.

Still not sure?
Still have a question?
Not every answer fits in a box. If there's something specific about your cover, your health history or your budget, the quickest way is a quick chat with us — no obligation, no pressure.
- A real person, not a call centre
- Honest guidance, even if the answer is “don’t buy yet”
- Free, wide-panel comparison
See your options in a couple of minutes.
Free, across a wide panel of insurers, and no obligation. Compare online or talk it through by phone — whichever you prefer.
