Protecting your health and wellbeing

Company Medical Insurance and Private Medical Insurance quotes

Your health and your family's well-being are paramount. If you or a loved one encounters concerning symptoms, private medical insurance can provide peace of mind and control during challenging times. Often referred to as ‘health insurance,’ private medical insurance is a policy that covers the costs of private healthcare, from diagnosis to treatment.


Private medical insurance, or PMI, ensures you receive prompt access to necessary health services, whether it’s consulting a specialist for a swift diagnosis or enjoying a comfortable stay in a private hospital. You’ll be protected for conditions that develop after your coverage begins, specifically those that can be treated, known as ‘acute conditions.’


The setting for your treatment may differ based on your location and the specific type of care you require. You may find yourself in a private hospital, a health centre, or a private wing within an NHS facility.

Let's Talk

Private Healthcare when you need it

Indemnity Policies

Comprehensive cover for private medical treatment

Indemnity policies are crafted to cover the expenses associated with private medical care for acute illnesses or short-term injuries, guaranteeing swift access to high-quality treatment when it is needed most.


Typically, these policies encompass a variety of medical expenses, including:


- Private hospital accommodations, with access to a private room

- Fees for specialists and surgeons

- Outpatient treatments, such as physiotherapy

- Daycase procedures, including both surgical and diagnostic treatments


By funding eligible private medical services, indemnity policies offer individuals the freedom to choose when and where they receive care, effectively reducing waiting times and facilitating a quicker recovery.


At Aviella Consulting, we assist clients in navigating and selecting indemnity policies that best fit their healthcare requirements and financial objectives, ensuring thorough protection and peace of mind.

Cash Plan Policies

Supporting everyday healthcare costs

Cash plan policies are designed to provide financial assistance by offering a lump-sum benefit under designated circumstances. By paying a straightforward monthly premium, policyholders can receive reimbursements for everyday healthcare expenses, often covering up to 100% of eligible treatment costs.


These policies can assist with a variety of routine and unforeseen expenses, including inpatient stays in NHS hospitals and dental and optical treatments.


In contrast to traditional indemnity insurance, cash plan policies prioritise reimbursing treatment costs rather than covering medical fees outright. This feature makes them a valuable supplement to other health coverage options, delivering practical financial support for common healthcare needs.


At Aviella Consulting, we guide clients in understanding how cash plan policies can enhance their overall benefits package, ensuring peace of mind and reliable support for everyday healthcare expenses.



Why not schedule in an appointment with one of our team

We will help explore your private medical 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 begin promptly, reducing the anxiety of uncertainty and allowing you to concentrate on your recovery. With many health professionals predicting a decrease in patient care and longer waiting times, numerous individuals are turning to private healthcare for enhanced peace of mind.


If this advantage isn’t part of your employee benefits and you can afford the premiums, investing in extra coverage may prove beneficial, offering you greater flexibility in your care.

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

Choice in the level of care


The majority of UK residents are eligible for free healthcare through the NHS. A primary reason individuals seek private health insurance is to circumvent the lengthy waiting times associated with the NHS. This type of insurance covers all or part of your medical expenses when you opt for private treatment, offering you the flexibility to choose your desired level of care, as well as the timing and method of its delivery.


While private medical insurance isn’t mandatory, for those who prefer to avoid the NHS, securing private treatment without insurance can be challenging, particularly for serious health issues.


Additionally, private health insurance may grant access to cutting-edge medications and treatments approved by the National Institute of Health and Clinical Excellence (NICE) that aren’t typically available through the NHS (please note that outpatient drugs are not included).

Hands cupping a shield with a check mark, symbolizing security or protection.

What does it cover?


As with all forms of insurance, the coverage provided by private medical insurance is contingent upon the specific policy you select. Typically, basic private medical insurance covers the costs of most inpatient treatments, including tests and surgeries, as well as daycare procedures.


Certain policies may also include out-patient treatments, such as consultations with specialists, and could reimburse you a fixed amount for each night spent in an NHS hospital.


Additionally, you may have the option to choose a policy that covers mental health issues, depression, and sports injuries; however, it’s important to note that these conditions are not always included in every plan.

Get In Touch

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.

Get In Touch

Frequently Asked Questions

Your questions about Insurance answered.

For further questions please get in touch

  • What is Private Medical Insurance (PMI Insurance)?

    Private Medical Insurance (PMI Insurance) 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 in Cheltenham?

    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 Aviella Consulting help me find the right PMI plan?

    At Aviella 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.