_edited.png)
Private Medical Insurance and Fast Access to Treatment
Waiting for treatment can be stressful. Private Medical Insurance helps you access diagnosis and treatment quickly, so you can focus on getting better and returning to normal life.
​
Private Medical Insurance covers the cost of private healthcare for new conditions that arise after your policy starts. This can include consultations, tests, and treatment, often with shorter waiting times than standard routes.
​
It gives you more choice over when and where you are treated, and who provides your care.
Private healthcare helps reduce waiting times
​
Long waiting times remain a concern for many people across the UK. Private Medical Insurance offers an alternative route to diagnosis and treatment when you need it most.
​
Millions of people in the UK now choose private healthcare to access faster treatment and greater flexibility in their care.
We start by understanding your financial goals and needs. Our experts analyze your situation to provide tailored mortgage solutions that fit your requirements.
After a thorough review, we offer personalized recommendations. We present you with the best mortgage options available, ensuring you make an informed decision.
Once you've chosen a mortgage, we assist you in finalizing the paperwork and securing your loan. We handle the process efficiently, making your experience seamless.
Why Choose Private Medical Insurance
Faster access to treatment
Avoid long waiting lists and access consultations, tests, and treatment more quickly.
​
Choice and control
Choose when and where you are treated, and often your consultant as well.
​
Wide range of cover options
Policies can include inpatient treatment, outpatient consultations, diagnostics, and therapies.
​
Support when you need it
Many plans include access to GP services, mental health support, and wellbeing tools.
​
Flexible cover levels
You can tailor your policy to suit your needs and budget.
​
Please note that Private Medical Insurance is designed to cover new conditions and does not replace emergency services.
What Private Medical Insurance Covers
​
Private Medical Insurance can cover a range of healthcare costs, although the exact cover will depend on the insurer and the policy you choose. Many plans include specialist consultations, diagnostic tests such as scans and blood tests, hospital treatment, surgery, cancer care, physiotherapy, and rehabilitation. Some policies also offer access to mental health support and private GP services. Because each insurer has its own limits, exclusions, and policy structure, it is important to understand exactly what is included before taking out coverage. We can help you review the details and compare your options clearly.
​
What Is Not Covered
​
Private Medical Insurance does not cover everything, and this is one of the most important parts of the policy to understand. Most plans do not cover pre-existing conditions, emergency treatment, or chronic conditions that need ongoing monitoring or long-term management. Some policies may also place limits on outpatient treatment or specialist consultations, depending on the level of cover selected. Terms and definitions vary between insurers, so it is important to check the details carefully before making a decision.
​
How Much Does Private Medical Insurance Cost
​
The cost of Private Medical Insurance depends on several factors. These usually include your age, where you live, your health and medical history, the level of cover you want, the excess you choose, and the hospitals or treatment options included in the policy. There are often ways to manage the cost, such as selecting a higher excess or choosing a policy with limited outpatient cover. We can help you find the right balance between affordability and meaningful cover.
​
Who Might Consider Private Medical Insurance
​
Private Medical Insurance may be worth considering if you want faster access to diagnosis and treatment, or if you would like more control over when and where you receive care. It can also appeal to people with busy lives who want to reduce time away from work or family responsibilities. For some, the main benefit is not having to rely solely on standard waiting times. For others, it is the added value of services such as mental health support, private GP access, and wider treatment options.
Why Choose Greenshoots Financial?
Private Medical Insurance policies can vary significantly between insurers.
​
We review the market for you and explain your options clearly. We help you understand what is covered, what is not, and how different policies compare.
​
Our advice is independent and there is no fee for our service. We are paid by the insurer if you take out a policy.
