Private Medical Insurance Calculator

Our private medical insurance calculator estimates PMI premiums based on age, health history, and chosen cover level. PMI gives faster access to specialists — average NHS waiting times for non-emergency surgery exceed 20 weeks versus days or weeks privately.

Select the key cover elements you require: inpatient and day-patient treatment is included in all PMI; outpatient consultations, diagnostics, and therapies are typically optional add-ons that significantly increase premium. Hospital list selection — either a comprehensive list including central London private hospitals or a restricted local network — is the most effective way to reduce premium while retaining meaningful cover. Age is the primary driver of PMI cost — premiums typically increase each year at renewal as you age, and the rate of increase accelerates over 50. Existing medical conditions at the time of application are generally excluded. PMI is most valuable for covering elective procedures and reducing waiting time for diagnosis and treatment — it does not typically cover emergency treatment or long-term chronic conditions.