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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

From£29/month
4.1Trustpilot (0.4k)
220+hospitals
5yrmoratorium

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Prices shown are indicative. Click through for an FCA-regulated quote directly 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

Pricing below is indicative — derived from public brochure rate cards. Your actual premium depends on age, health history, region, and chosen excess.

G&M Essentials

basic
from£29/mo

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
from£51/mo

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 pricing only. Prices shown are derived from public brochure rate cards and independent market research — they are not live underwritten quotes. We are a referral site, not a financial adviser. 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. Clicking through takes you to General & Medical's own FCA-regulated quote journey. Always read the policy documents before purchasing.