Individual Cover
Personal private healthcare ensuring fast access to diagnosis and treatment, so you're never left waiting on an NHS list when your health is at stake.
Skip the waiting list. With private medical insurance arranged by TMC, you get fast access to leading consultants, private hospitals and cutting-edge treatments, giving you and your family peace of mind that care is there when it matters.
Private medical insurance pays for private diagnosis and treatment of acute conditions, the kind that respond to treatment, so you can see a consultant without waiting on an NHS list. Most comprehensive policies include cancer cover and mental health treatment. How pre-existing conditions are treated depends on the underwriting basis, so that choice matters as much as the premium.
Private medical insurance funds the cost of private diagnosis and treatment for acute medical conditions, conditions that respond to treatment. We compare leading UK insurers to find the right level of cover at the right premium for your circumstances.
Covers the full cost of private hospital stays, surgical procedures and day-case treatments at leading private hospitals.
Private specialist consultations, MRI and CT scans, blood tests and other diagnostic investigations, without the wait.
Most comprehensive policies include full cancer cover and access to private mental health treatment including therapy and psychiatry.
See a consultant within days, not months, in a private hospital room, at a time that suits you.
Private medical insurance suits anyone who wants faster private diagnosis and treatment, from individuals and families to expats and the over-50s, not just senior executives. Here are the most common scenarios where we help clients arrange the right private healthcare cover.
Personal private healthcare ensuring fast access to diagnosis and treatment, so you're never left waiting on an NHS list when your health is at stake.
Comprehensive cover for your entire family under one policy, ensuring every member has rapid access to private consultants and treatment when needed.
Worldwide healthcare cover for UK nationals living abroad, ensuring access to quality medical treatment wherever you are in the world.
Specialist PMI for older individuals, with tailored underwriting that takes a pragmatic view of age-related health conditions.
Already have PMI? We compare the market to check you're getting the best deal, many clients find they're overpaying for inadequate cover.
Access to private therapy, psychiatry and mental health inpatient treatment, with most insurers now providing meaningful mental health benefits.
We discuss your health history, cover requirements and budget to establish the right level of PMI for you and your family.
We search the full PMI market, AXA, Bupa, Vitality, Aviva and more, to identify the most suitable policy at the best premium.
We explain the difference between CPME and moratorium underwriting and recommend the right approach for your circumstances.
We handle the application on your behalf, ensuring all medical history is declared correctly to avoid any future claim issues.
Your policy is confirmed, membership documents issued, and you're ready to access private healthcare whenever you need it.
CPME (Continued Personal Medical Exclusions) is used when you switch insurers: your new policy carries over the exclusions from your existing one, so conditions already covered stay covered. Moratorium underwriting needs no medical disclosure upfront. It excludes conditions you had symptoms, treatment or advice for in the five years before cover starts, but can cover them once you go two continuous years on the policy without symptoms, treatment or advice for them. We'll advise which is best for your circumstances.
Yes. With moratorium underwriting, a pre-existing condition can become covered once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting or CPME, specific pre-existing conditions are excluded by name and everything else is covered from day one. Some insurers will also consider including pre-existing conditions for a higher premium.
PMI premiums typically range from around £50 to £200+ per month depending on your age, the level of cover chosen, the excess you select and the insurer. Family policies are more expensive than individual cover. Choosing a higher excess can significantly reduce your premium.
Yes, most comprehensive PMI policies include full cancer cover, including chemotherapy, radiotherapy, surgery, specialist consultations and associated diagnostic tests. We ensure any policy we recommend includes robust cancer cover as a minimum.
For individuals, PMI premiums are not tax deductible. For businesses, premiums paid for employee PMI are an allowable business expense, though they become a taxable benefit in kind (P11D) for the employees covered. Group PMI is handled differently, speak to us for details.
Yes, most PMI insurers offer optional dental and optical add-ons at an additional premium. These typically cover routine dental check-ups, fillings, eye tests and a contribution towards glasses or contact lenses. We'll include these options in your comparison if required.
A broker compares the whole market rather than one insurer's range, which matters more in PMI than in most products because underwriting terms, hospital lists and outpatient limits vary so widely between insurers for the same headline price. As a private medical insurance broker we also handle the renewal each year, which is where most of the saving sits, and we argue your corner if a claim is queried. Our advice is not tied to any single provider.
Often yes, through continued personal medical exclusions, sometimes called switch underwriting. This carries your existing terms across to the new insurer so conditions already covered remain covered. It is not automatic and not every insurer offers it on every scheme, so the switch needs handling carefully. Moving to full medical underwriting or a moratorium basis instead can reintroduce exclusions you had already cleared.
PMI is a contract. The wording matters as much as the price. Here is how we approach yours.
Moratorium underwriting. Full medical underwriting. Continued personal medical exclusions. We translate the underwriting basis so you know what is and is not covered before you commit.
Personal cover for individuals and families, corporate schemes for SMEs and group cover for larger employers. Whole-of-market access across all UK PMI insurers.
PMI premiums move every year. We benchmark your renewal against the market and tell you honestly when staying put is the right call and when switching makes sense.
Tell us who needs cover and what matters most, we'll compare every major PMI provider and give you a clear recommendation.
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