Can I visit a private GP with my medical insurance?

Health Insurance + Private GPs

Not generally. Private Medical Insurance (PMI) policies are designed to help you avoid NHS waiting lists and be seen quickly by a consultant. They help you to receive private treatment for short-term, curable medical problems. In addition, PMI allows you to be treated privately in an NHS hospital or in a private hospital. They don’t typically give you access to private GP services.

When you have healthcare insurance, the route to private treatment is simple. Your first port of call is your own doctor/GP. If your GP thinks that you need further investigations, scans or consultations then they will refer you for specialist treatment. This is often at a hospital where you will go for diagnostic tests or an initial consultation.

Your private medical insurance normally kicks in at this point. After your GP has referred you to a hospital or specialist you should contact your private medical insurance provider to discuss your condition and whether you are covered under your policy. You may then have to undergo in-patient treatment at a hospital or clinic. Assuming your PMI policy covers the treatment; your insurance company will meet the cost.

PMI policies will generally not cover private GP services and so you should always make an appointment with your own GP in the first instance. If in doubt, speak to your PMI provider who can advise you.

Briggs & Butler specialise in helping you find the right private medical insurance for your needs. When you complete our simple online form, one of our panel of FSA registered brokers will contact you to discuss your needs. They will then compare a wide range of health insurance policies to find the cover you need at the best price. Fill in the form today to find out more.

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