How to use your private medical insurance

Whether you have your own private medical insurance policy or are covered through your work, make sure you benefit from fast access to private healthcare when you need it most.

Claiming for your treatment via medical insurance

If you are funding your treatment via your private medical insurance, please be aware that you will need to confirm that your insurer can cover your planned treatment, with your chosen consultant and at our facility.

If your treatment is not covered, BMI offers very competitive self-pay options (including flexible ways to fund your treatment with our finance partners).

Most private insurers require a GP referral, but if you would prefer not to wait for an NHS appointment you could utilise our private GP service.

Don’t worry if you have not chosen your consultant straight away, our team can provide a list of options for you.

Contacting your insurer

At BMI, we work with all UK private medical insurer companies and a wide range of international insurance providers. However, claim processes differ from insurer to insurer. For full clarity on the cover and the requirements to make a claim, please contact your insurer.

Most of the time, private insurers require a GP referral as part of the claims process for your treatment to be eligible (and many private consultants will prefer you to have one). Therefore, unless your policy documents say you do not need a GP referral, please contact your GP to discuss your medical condition and needs.

Make sure you speak to your insurer before making an appointment with us.


We work with all major private medical insurers. If your insurer isn't listed, please contact us on 0800 096 2906

Need help? Speak to one of our advisers today

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Terms and conditions for Private Patients