Private Medical Insurance

Protecting your health and wellbeing

Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time. Private medical insurance (often also referred to as ‘health insurance’) is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment.


Private medical insurance gives you fast access to eligible health treatment when you need it, from seeing a specialist for prompt diagnosis to having a comfortable private hospital stay. You’ll be covered for conditions that begin after joining which can be cured – these are known as ‘acute conditions’.


The environment you’ll be treated in will vary depending on where you’re located and the type of treatment you need. You could be treated in a private hospital, health centre or private section of an NHS hospital.

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Healthcare when you need it

Indemnity Policies

Comprehensive cover for private medical treatment

Indemnity policies are designed to cover the cost of private medical treatment for acute illnesses or short-term injuries, ensuring fast access to quality care when it’s needed most.

These policies typically include cover for a range of medical expenses, such as:


  • Private hospital accommodation, including access to a private room
  • Specialist and surgeons’ fees
  • Outpatient treatments, such as physiotherapy
  • Daycase procedures, including surgical and diagnostic treatments


By funding eligible private medical services, indemnity policies give individuals the flexibility to choose when and where they receive treatment, helping to reduce waiting times and support a faster recovery.


At Aviella Consulting, we help clients navigate and select indemnity policies that align with their healthcare needs and financial goals, ensuring comprehensive protection and peace of mind.

Cash Plan Policies

Supporting everyday healthcare costs

Cash plan policies are designed to provide financial support by paying a lump sum benefit in specific situations. With a simple monthly premium, policyholders can receive reimbursement for everyday healthcare expenses — often covering up to 100% of eligible treatment costs.


These policies can help with a range of routine and unexpected expenses, including inpatient stays in NHS hospitals, as well as dental and optical treatments.


Unlike traditional indemnity insurance, cash plan policies focus on reimbursing the cost of treatment rather than covering medical fees directly. This makes them a valuable complement to other forms of health cover, offering practical financial assistance for common healthcare needs.


At Aviella Consulting, we help clients understand how cash plan policies can enhance their overall benefits package, providing peace of mind and predictable support for everyday healthcare costs.

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We will help explore your insurance needs


Healthcare when you need it

Indemnity Policies

Comprehensive cover for private medical treatment

Indemnity policies cover private medical treatment for acute illnesses or short-term injuries, providing quick access to quality care. They typically include:


- Private hospital accommodation

- Specialist and surgeon fees

- Outpatient treatments like physiotherapy

- Daycase procedures


By funding eligible services, indemnity policies allow individuals to choose when and where they receive treatment, reducing wait times and supporting recovery.


At Aviella Consulting, we assist clients in selecting indemnity policies that meet their healthcare needs and financial goals, ensuring comprehensive protection and peace of mind.

Cash Plan Policies

Supporting everyday healthcare costs

Cash plan policies provide financial support by offering a lump sum benefit in specific situations. With a simple monthly premium, policyholders can be reimbursed for everyday healthcare expenses, often covering up to 100% of eligible costs.


These policies assist with routine and unexpected expenses, including NHS inpatient stays and dental or optical treatments.


Unlike traditional indemnity insurance, cash plans focus on reimbursing treatment costs instead of covering medical fees directly, making them a valuable addition to other health cover.


At Aviella Consulting, we help clients understand how cash plan policies enhance their benefits package, ensuring peace of mind and predictable support for everyday healthcare costs.

Concentrate on getting better sooner

Diagnosis and treatment can be dealt with almost immediately, reducing the anxiety of the unknown and allowing you to concentrate on getting better sooner. With many health experts predicting that patients are set to experience poorer care and even longer waiting times, many people are turning to private health care for that extra peace of mind.


If you don’t already have it as part of your employee benefits package, and you can afford to pay the premiums, you might decide it’s worth paying extra to have more choice over your care.

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Choice in the level of care


Most UK residents are entitled to free healthcare from the NHS. One of the main reasons people take out private health insurance is to avoid long NHS waiting times. Health insurance pays all – or some – of your medical bills if you’re treated privately. It gives you a choice in the level of care you get and how and when it is provided.


You don’t have to take out private medical insurance – but if you don’t want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions.


It may also be possible, under private medical insurance, to access the latest drugs and treatments licensed by the National Institute of Health and Clinical Excellence (NICE), which aren’t routinely available on the NHS (Outpatient drugs are not covered). 

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What does it cover?


Like all insurance, the cover you receive from private medical insurance depends on the policy you buy. Basic private medical insurance usually covers the costs of most in-patient treatments (tests and surgery) and daycare surgery.


Some policies extend to out-patient treatments (Such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.



You also might be able to choose a policy which covers mental health, depression and sports injuries, but these aren’t always covered. 

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Concentrate on getting better sooner

Diagnosis and treatment can happen quickly, easing anxiety and promoting faster recovery. With health experts forecasting worse care and longer waits, many are opting for private health care for added reassurance.


If it's not part of your employee benefits and you can afford the premiums, it may be worth paying extra for more care choices.

Hand holding a heart with a plus sign, representing healthcare.

Choice in the level of care

Most UK residents qualify for free NHS healthcare, but many opt for private insurance to avoid long wait times. This covers some or all medical costs for private treatment, providing more control over care and timing.


Though not mandatory, private insurance can ease the cost of serious treatments and may offer access to the latest drugs and treatments approved by NICE that aren't typically available through the NHS..

Hands cupping a shield with a checkmark, symbolizing protection.

What does it cover?

The coverage from private medical insurance depends on the policy you choose. Basic plans typically cover most in-patient treatments and daycare surgery.


Some policies may also include out-patient treatments and offer a fixed amount for nights spent in an NHS hospital. You can select policies that cover mental health, depression, and sports injuries, but these are not always included.

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Frequently Asked Question's

Your questions about Insurance answered.

For further questions please get in touch

  • What is Private Medical Insurance (PMI)?

    Private Medical Insurance (PMI) is a policy that covers the cost of private healthcare, from diagnosis through to treatment. 

    It gives you faster access to medical specialists, private hospitals, and treatments that may not be available on the NHS or have long waiting times. With PMI, you can receive care at a time and place that suits you.

  • Why should I consider Private Medical Insurance?

    PMI provides peace of mind by ensuring you and your family can access prompt medical attention without the uncertainty of NHS waiting lists. It often includes access to private rooms, choice of specialists, advanced treatments, and more flexibility in scheduling appointments and surgeries.

  • How does Private Medical Insurance work?

    When you take out a PMI policy, you pay a regular premium (monthly or annually). If you become unwell or require treatment, you contact your insurer before arranging care. The insurer will confirm what’s covered under your plan, approve the treatment, and pay the hospital or clinic directly—minus any agreed excess.

  • What is typically covered by Private Medical Insurance?

    Most PMI policies cover:

    • Specialist consultations and diagnostic tests
    • Hospital accommodation and nursing care
    • Surgery and inpatient treatments
    • Cancer care and therapies
    • Outpatient treatment (depending on the policy level)

  • How can Avielle Consulting help me find the right PMI plan?

    At Avielle Consulting, we work with leading UK insurers to help individuals, families, and businesses find tailored Private Medical Insurance solutions. We’ll compare plans, explain the benefits and limitations in plain language, and ensure you get the right level of cover at a competitive price, with ongoing support year after year.