Unpacking private health insurance: What you need to know

When it comes to looking after your health, the NHS is a cornerstone of care in the UK, providing essential services all at the point of need.

But many Brits are now choosing private health insurance to sit alongside the NHS, giving themselves and their families extra choice, speed and comfort.

According to a 2025 YouGov survey, one in seven Brits use private healthcare services for themselves or someone in their household – and with a further 24% weighing up private healthcare, this signals a shift in private care and how many of us manage our health.

So, if you’re curious about what private health insurance offers and whether it’s right for you, this article answers some key questions surrounding private healthcare to help you decide.

What is private health insurance?

Private health insurance, often referred to as private medical insurance (PMI), is a policy you pay for that covers the cost of private healthcare.

It opens the door to private hospitals, consultants and treatments, and is designed to complement the NHS – not replace it.

You can use NHS services whenever you need them; PMI simply adds an extra layer of flexibility and control.

How does it work alongside the NHS?

You’re never obliged to use PMI for your care if you do not want to, but if you have PMI you can still use NHS services.

The NHS remains available for everyone – including those with PMI – and many people continue to rely on it for routine care or emergencies, something PMI does not cover.

PMI steps in when you want faster access to specialists, control over where and when you’re treated and sometimes access options that aren’t always available through the NHS. For example:

• Choice of hospital and consultant: With PMI, you can select from a network of private hospitals and choose a consultant that is recognised by your insurer and in your plan.
• Comfort and privacy: Private hospitals typically offer private rooms and more personalised care.
• Fast access to care: PMI often means you can usually see a consultant for treatment within a few days.

What’s typically covered?

Cover varies depending on your provider and the policy that you have opted for, but most PMI plans include:

• Consultations and diagnostics: Rapid access to specialists and tests like MRI scans.
• In-patient and day-patient treatment: Private surgery and hospital stays.
• Comprehensive cancer care: Many policies include comprehensive cancer treatment pathway.

And while PMI is wide-ranging, it’s important to note what it generally doesn’t cover.

Accidents and emergencies are still handled by the NHS, so if you are in an emergency situation, dial 999.

It’s also important to know that chronic conditions where the purpose of the treatment is primarily to keep symptoms under control are not usually covered by PMI.

There are, however, exceptions depending on your provider.

Similarly, PMI does not always provide cover for pre-existing conditions.

Benefits of PMI

The benefits of PMI can be appealing to many people for a few reasons:

• Access to advanced treatments: Some policies include medication or therapies not widely available on the NHS.
• Reduced waiting times: If you need surgery or specialist care, PMI can significantly cut waiting times.
• Greater choice: Have a choice of your consultant and hospital, giving you more control over your treatment.

While offering fast access to treatment and secondary care when it’s needed, Vitality’s PMI has expanded to offer more primary care services to ensure you can get access to everyday support – such as GP appointments as well as health screenings.

From cancer risk assessments to digital skin analytics using smart technology so you can get symptoms checked quickly and with ease.

You can self-refer to physiotherapy and Talking Therapies too, so support starts sooner and small issues don’t snowball.

If you’re navigating menopause, perimenopause, or supporting a partner or family member through it, you’ll have practitioner-led guidance via our partners at Peppy.

Or, for those who qualify, our weight management pathway offers medicated and not medicated support that combines clinical assessment and supervision with lifestyle coaching.

All of this sits alongside the Vitality Programme, which rewards healthy choices with perks like discounted cinema tickets, gym membership and fitness devices – making it easier and more enjoyable to look after your health.

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Limitations of PMI to consider

While PMI offers many benefits, it’s not a complete replacement for the NHS and there are a few reasons for this.

Premiums for PMI vary based on age, health and the level of cover that is needed, which is an ongoing expense. Some exclusions apply and emergency care remains under the NHS.

Think of PMI as added control and convenience rather than a total swap.

Is private health insurance worth it?

The answer depends on your individual circumstances and what you and your family feel comfortable with.

If you value faster access to treatment and more choice, PMI can be worthwhile. It can be particularly appealing if:

• You want faster access to treatment and diagnostics.
• You prefer having control over your treatment options.

How much does PMI cost?

Pricing is totally unique to you and your circumstances. There are a range of factors that are taken into consideration when taking out a policy, this includes, but is not limited to:

• Age: Premiums generally increase as you get older.
• Location: Costs can vary by region.
• Level of cover: More comprehensive plans tend to cost more.

Some employers offer PMI as part of a benefits package. So, make sure to ask your employer if this is something that is available to you.

Making the right choice

Before you decide if you want to take out a PMI policy, ask yourself:

1. Do I want faster access to care?
2. Would I like peace of mind for me and my family?
3. Can I afford the monthly premiums?
4. Do I want more choice about where and how I’m treated?

Don’t forget, PMI is an optional extra and not essential.

The NHS will always be there for emergencies and essential care; PMI simply adds more flexibility and convenience for care should you need it.

Final thoughts

Private health insurance isn’t about turning away from the NHS – it’s about complementing it with faster access, more choice and support that fits into your life.

Vitality’s blend of everyday care, rapid GP access, specialist pathways and health-living rewards makes it a smart, modern way to look after your health – and the health of those you love.

But bear in mind the NHS might have everything you need.

The key is understanding your priorities and making an informed decision that supports your health and wellbeing.

To find out more about how PMI works, visit our guide: How does private health insurance work

Or if you want to know more about Vitality’s PMI offering, visit: https://www.vitality.co.uk/health-insurance/

Related: Health insurance needs have changed. Here’s why