Private Medical Insurance: More Affordable Than You Think
At Hodgson Insurance Services, we’ve partnered with Usay Compare to show how Private Medical Insurance (PMI) can often be far more affordable, and valuable, than many people realise.
Many dismiss PMI as “too expensive,” but in reality, it can save you money compared to paying directly for private treatment. It also offers the reassurance of faster access, greater comfort, and more choice.
What is Private Medical Insurance?
Private Medical Insurance (PMI) is a policy that covers the cost of private healthcare. It isn’t designed to replace the NHS, it works alongside it:
- Faster treatment – avoid long waiting times.
- Greater comfort – private rooms instead of shared wards.
- More choice – pick your consultant and hospital.
- Additional options – access to treatments or medications not always available through the NHS.
How Affordable Is Health Insurance?
The cost of a policy depends on:
- Your circumstances – age, health, and where you live.
- Level of cover – from essential treatment only to fully comprehensive.
- Extras you choose – such as outpatient cover, dental, or holistic treatments.
- Excess options – agreeing to a higher excess can reduce monthly premiums.
- Payment terms – annual payments are often cheaper than monthly.
The good news? Policies are flexible. You can build cover around what matters most to you—and your budget.
Why Compare the Whole Market?
Every insurer is different. Some may price higher for optional extras (like dental), while others reward you with perks such as digital GP services, fitness benefits, or mental health support.
At Hodgson Insurance and USay, we compare across seven leading insurers, including BUPA, Aviva, AXA, Freedom, The Exeter, Vitality, and WPA, so you don’t have to. This ensures you get a policy tailored to your needs, lifestyle, and budget.
Key Options to Consider
- Inpatient vs. Outpatient – Most policies cover inpatient treatment as standard. Outpatient cover (tests, consultations, scans) can be added in full, partly, or not at all.
- Extra Treatments – Physiotherapy, chiropractic, or osteopathy can be included, but only if you want them.
- Dental & Optical – Available as add-ons for extra peace of mind.
- Cancer Cover – Most plans include it, but the level of treatment (like home chemotherapy or transport) varies.
- Mental Health – Core policies often provide basic support, with the option to upgrade for full inpatient or specialist care.
- Underwriting – The way your policy is assessed may affect price slightly, depending on your medical history.
Get Expert Guidance
Health insurance can feel complex, but you don’t have to figure it out alone. USays experienced advisors compare the whole market, explain your options clearly, and help you find the best value cover for your circumstances.
USay GUARANTEE to find you the lowest price in the UK.
👉 Want to see how affordable PMI could be for you?
Get your free, no-obligation quote here and a Usay advisor will be in touch to discuss your needs.