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UK Private Health Insurance Review

Independent UK PMI provider known for unusual benefits not offered elsewhere in the market

General & Medical Health Insurance Review & Prices 2026

Unique cover for childbirth, pet boarding, and up to 2 pre-existing conditions

40s from£58–88/mo
4.1Trustpilot (0.4k)
220+hospitals
5yrmoratorium

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Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote from General & Medical.

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Who is General & Medical best for?

Unique benefits (childbirth, pet boarding cover)
Limited pre-existing condition cover
Open-referral hospital access

General & Medical Plans & Pricing 2026

Select your age band for indicative pricing

Showing typical 40s pricing — select your age above for a more relevant estimate.

G&M Essentials

basic
£38–£58/mo

indicative 40s range

Excess: £100, £250, £500

Outpatient coverCore in-patient and out-patient cover, lower limits than Elite
Cancer coverfull
Mental healthincluded, six-month deferment period applies
Therapiesincluded
Dental & opticalnot included
NCD protectionno traditional no-claims discount structure

G&M Elite

comprehensive
£58–£88/mo

indicative 40s range

Excess: £0, £100, £250, £500

Outpatient coverFull, plus joint-highest NHS cash benefit (£250/night, up to 30 nights)
Cancer coverfull
Mental healthincluded, six-month deferment period applies
Therapiesincluded
Dental & opticaloptional add-on
NCD protectionno traditional no-claims discount structure

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Full pricing methodology & about us →