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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.

Most private insurers will require a GP referral before authorising your treatment. If you would prefer not to wait for an appointment with your GP, you can see a private GP via a video consultation to speed up your referral. 

Please ensure you speak with your insurer to confirm your policy covers your planned treatment with your chosen consultant and hospital. 

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

If your insurance policy doesn’t cover your treatment, we provide fixed price treatment packages with the reassurance of 6 months aftercare and flexible payment options. 

Once you have spoken to your private medical insurer, you can book your appointment with your chosen hospital or clinic.

When booking your appointment with us, we recommend you have the following details to hand:

  • The name of your private medical insurer
  • Your membership number
  • Pre-authorisation code (where provided)
  • The name of the consultant you would like to book if known. Don't worry if you haven’t already chosen your consultant, our team can provide a list of the names of specialists available. 
  • Available dates and times for your appointment

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

Aviva PLC

AXA Health

Bupa

Cigna 

VitalityHealth

WPA

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