Private Medical Insurance
Access Faster, High-Quality Healthcare
Private Medical Insurance (PMI) provides you and your family with access to private healthcare services, giving you faster treatment, more choice of specialists, and reduced waiting times. Whether you’re looking for peace of mind, additional cover alongside the NHS, or tailored healthcare solutions, private health insurance puts you in control of your care.
At Alphakey Mortgages, we provide whole-of-market advice on private medical insurance, helping individuals, families, and business owners across the UK find comprehensive cover at a competitive price. We compare a wide range of providers to tailor a policy that suits your health needs, lifestyle, and budget.
Private Medical Insurance FAQs
What does private medical insurance cover?
Most policies cover inpatient care, surgery, hospital stays, specialist consultations, and diagnostic tests. Outpatient cover, mental health, and dental may be included or added as extras.
Can I still use the NHS if I have private medical insurance?
Yes. PMI complements the NHS—you can choose to use either service depending on the treatment needed.
Is private medical insurance expensive?
Costs vary based on age, location, cover level, and excess. We compare the whole market to find the most competitive premiums for your needs.
Can pre-existing conditions be covered?
Usually not, but some policies may cover conditions after a symptom-free period. We’ll explain what’s possible based on your medical history.
Can businesses provide private medical insurance for employees?
Yes! We offer advice on corporate health insurance schemes to protect your team and support workplace wellbeing.
Most policies cover inpatient care, surgery, hospital stays, specialist consultations, and diagnostic tests. Outpatient cover, mental health, and dental may be included or added as extras.Yes. PMI complements the NHS—you can choose to use either service depending on the treatment needed.Costs vary based on age, location, cover level, and excess. We compare the whole market to find the most competitive premiums for your needs.Usually not, but some policies may cover conditions after a symptom-free period. We’ll explain what’s possible based on your medical history.Yes! We offer advice on corporate health insurance schemes to protect your team and support workplace wellbeing.
Why Take Out Private Medical Insurance?
Faster Diagnosis and Treatment
Skip NHS waiting lists and get prompt access to specialists, scans, and surgery—reducing delays to your care.
Greater Choice and Comfort
Choose your hospital, consultant, and treatment times. Enjoy access to private rooms and additional facilities during treatment.
Cover for You or Your Whole Family
Policies available for individuals, couples, or families—helping you protect your loved ones with comprehensive healthcare access.
Cover for Business Owners
We provide specialist advice for self-employed individuals and small business owners looking to protect their income and time.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
Specialist Lending
We offer flexible lending solutions for unique situations
Specialist Lending
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
Life Insurance
Protect your family’s future, no matter what.
Life Insurance
Insurance & Protection
Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.