What is My PMI?

My PMI is a simpler, friendlier way to get private medical insurance that’s right for you and your needs. With four different cover options to choose from, this is private medical insurance that can fit in with your budget.

As pressure on the NHS grows, more and more people are turning to private medical insurance to help cover the cost of high-quality medical treatment. My PMI gives you fast access to surgeries, therapies and after-care, so you can have peace of mind when it comes to your medical needs.

Get extra flexibility with:

Private GP appointments available 24/7

Speak to a doctor when you need to over the phone, online or via video chat.

Access to family cover

Make sure other members of your family are protected too.

A wide choice of hospitals

Choose the private hospital you want, including those in Central London, or be guided by our expert teams.

Claims made easy

We’ll be by your side every step of the way through your medical claims. We’ll make sure you see the most appropriate medical specialist, as soon as possible. We have access to the UK’s leading consultants and deal with all major hospitals.

And you'll be receiving the right medical treatment at every stage of your claim.

If you’re happy to see a consultant selected by our medical claims team, we can also book your appointment at a time to suit you.

Our levels of cover


Choice of Hospital List

Choice of Excess

Day/In Patient

Out Patient

Level 1 is all about quick diagnosis. Typically the cheapest of our four levels, and offers access to private GPs and consultants, scans, tests and therapies, plus a few minor operations.


Choice of Hospital List

Choice of Excess

Day/In Patient

Out Patient

Level 2 pays an allowance towards scans and tests, but focuses on more expensive treatments, typically for cancer and operations. Ideal if out-patient treatment isn’t your priority and/or you’re happy to pay for this element yourself.


Choice of Hospital List

Choice of Excess

Day/In Patient

Out Patient

Level 3 has the same out-patient diagnostic and treatment cover as Level 1, limited to £2,000 or £5,000 each year, plus up to £1 million a year day/in-patient cover for operations and cancer treatments.


Choice of Hospital List

Choice of Excess

Day/In Patient

Out Patient

Level 4 has the same benefits as Level 3, but with no overall monetary limits for day/in or out-patient treatment. It also has additional benefits, with stem cell and bone marrow treatments.

Guided Treatment

If you choose our Guided treatment option, then when your GP refers you for further treatment they’ll write you what is known as an open referral. You can then share this with a member of our claims team. They’ll select a consultant from either the Circle or Ramsey hospital group who’ll then oversee your treatment from start to finish, using their experience to select the best treatment path for you. We’ll always look to find a consultant close to you; certainly no more than 30 miles from where you live but usually closer.

Free access to Friendly GP

Our virtual GP service, Friendly GP, is a free added benefit to your My PMI policy. It can be accessed over the phone or online 24 hours a day, 7 days a week.

This means you always have easy access to a doctor when you need their help.

  • 24/7 unlimited GP telephone consultations
  • Video consultations
  • Private prescriptions
  • Open referrals

Your questions answered

You can take out a My PMI policy as:

  • a single adult
  • a couple (two adults)
  • a single adult with children added
  • a couple with children added

Adults who apply for a policy have to be between the ages of 18 and 85. Any children added to a policy can be covered up to the age of 23.

You also have to be a permanent resident in the UK (excluding the Channel Islands and the Isle of Man) and have been registered with a GP in the UK for at least six months.

Out-patient: This tends to mean consultations, procedures or treatment that doesn’t require an overnight stay and typically take place in clinics or doctor's offices.

In/day-patient: This usually means treatment where you’ll have to stay overnight or for an extended period in hospital.

When you apply, you’ll be asked to choose which hospital/provider option you want on your policy.

Our Guided treatment option means our claims team will be able to help find you a consultant and make sure you get the best treatment path.

Or if want free choice on where you go for treatment and/or who you see, then you can select one of two options:

  • you can also choose our Standard hospitals list, which just excludes a list of hospitals whose costs exceed those elsewhere in the country; or
  • you can choose our Extended hospitals list, which allows you to use any recognised hospital facility in the country, including those excluded from the Standard list.


All HCA hospitals including:

  • Harley Street at UCH
  • Harley Street Clinic
  • Lister Hospital
  • London Bridge Hospital
  • Portland Hospital
  • Princess Grace Hospital
  • Wellington Hospital
  • Chiswick Medical Centre
  • LOC Main Clinic, Harley Street
  • HCA UK at University College Hospital
  • HCA UK at The Shard
  • HCA UK City of London
  • Golders Green Outpatients & Diagnostic Centre
  • Sydney Street Outpatients & Diagnostic Centre


  • The Cleveland Clinic
  • Cromwell Hospital
  • The London Clinic
  • King Edward VII's Hospital - Sister Agnes


All HCA hospitals including:

  • The Christie Private Care, Wilmslow
  • HCA UK at The Wilmslow Hospital

The list of HCA facilities shown above is correct as of December 2023.

Any new HCA hospital in the future not listed above will also only be available to those members who have selected and paid for our Extended hospital option. If any of the above hospitals have satellite facilities under separate names these will similarly be excluded unless you have selected and paid for our Extended option.

Each level of cover offers slightly different cancer cover:

Level 1 covers cancer diagnosis only up to £2,000 or £5,000 a year.

Level 2 covers diagnosis (scan and test only); then provides a limited level of chemo/radiotherapy, but no biological/stem cell/bone marrow therapies.

Level 3 covers diagnosis up to £2,000 or £5,000 a year, then in-patient treatment for chemo-, radio- and biological therapies up to £1 million a year.

Level 4 covers diagnostics, radio-, chemo-, biological, bone marrow and stem cell therapies, without financial limits.

Whichever level of cover you choose, your policy comes with access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give you the full details when you take out a policy or you can go to our Existing Members page to find out more.

If you already have a My PMI policy and are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we’ll help guide you through the process.

Any other questions?

If there’s anything else you want to know or you’d like to talk through your options, please give us a call on 0333 014 6244 and we’ll be happy to help.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

How to apply

Get a quote and apply online

Our easy online journey makes getting cover quick and straightforward.

Choose this option if you:

  • Know what level of cover you need
  • Want an instant quote

Request a call back

Our friendly team can talk you through your options to help you to decide what level is best for you.

Choose this option if you:

  • Need help to choose the right level for you
  • Have any questions you want to ask

0333 014 6244

Monday to Friday / 8am - 6pm

Important information

  • The terms for your policy are set for 5 years but your payments are reviewable annually
  • If you cancel your policy your cover will stop and you will not receive anything back (excluding during the cancellation period)
Existing Members
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