Private Medical Insurance

Doctor 3d
  • Skip long NHS waiting lists and get the best medical treatment should you fall ill
  • Advanced cancer cover
  • In-patient and day-patient treatment
  • Wide cover from physiotherapy sessions to major heart surgery
  • Defaqto 5 star rated health insurance
  • Get rewarded for healthy living with free amazon prime, a free apple watch and discounted gym memberships*

Don’t want to rely on the NHS for treatment or wait in long queues for a diagnosis or treatment?

Private Medical Insurance means you can get a faster diagnosis so you don’t have to wait wait months or years to be diagnosed and treated. You’ll always have access to the latest drugs and treatment from the UKs top approved specialists and get the best possible care in the UKs leading private hospitals.

Doctor 3d

What does health insurance cover?

Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery.

It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan.

How does private medical insurance work?

For the majority of claims, medical treatment begins with a GP referral for specialist treatment. This can either be your NHS GP or a private GP. Any onward treatment is managed by working closely with your private medical insurer, to ensure that you have quick and easy access to the right medical treatment.

How is private medical insurance different from the NHS?

Private medical insurance is designed to work alongside all the services offered by the NHS, but focuses on providing quicker access to treatment for acute medical conditions. PMI members can still use all services offered by the NHS. But with pressures on the NHS to meet healthcare demands growing rapidly, compounded by increasingly stretched resources, PMI can play a complementary role.


1. Which type of cover would you like?

2. Which additional benefits would you be most interested in including?

3. Who do you want to cover?

4. Do you have an existing Private Medical Insurance policy?
5. Your Details


Date of Birth

Processing please wait...

In order to provide you with quotes we need to ask you for personal information, some of which may be considered sensitive. You can find full details of how your data will be used including information about your rights in our Privacy Policy which you should read along with the Key Facts before proceeding. By clicking "Get My Quote" you confirm that you are happy to be contacted by telephone and/or email regarding your enquiry. Bon Accord Life will use your personal information to provide you with the service requested and will not pass your details on to any unauthorised third parties.

If you would like to be contacted about future offers for Life Insurance, Income Protection or other Protection products by telephone please tick this box.

*Terms and Conditions apply.  Rewards subject to activity tracking status.