Protect Your Family's Health
With NHS waiting lists at record highs, private medical insurance gives your family fast access to the specialists and care you need. MomPlans connects you with an FCA-regulated adviser who finds the right cover for your family.
Skip the NHS waiting list
Private health insurance gives your family access to consultants, specialists and diagnostics without the wait.
Whole-family cover
Cover yourself, your partner and your children under a single policy, often for less than you might expect.
FCA-regulated advice, free to access
MomPlans connects you with an FCA-regulated adviser who compares the whole private medical insurance market for you.
7.6m
People on NHS waiting lists across England (NHS, 2024)
18 weeks
NHS referral-to-treatment standard, often exceeded
£0
Cost to get matched with an FCA-regulated health insurance adviser
The NHS is under pressure. Your family does not have to wait.
NHS waiting times for specialist appointments and diagnostics continue to rise. Private medical insurance gives your family rapid access to the care you need, without replacing your NHS entitlement.
Many families find they only need private care once or twice a year, but the speed and convenience when they do need it is transformative.
NHS waiting times affect your family's wellbeing
With over 7.6 million people on NHS waiting lists, access to timely specialist care is increasingly difficult. Private medical insurance means your family is seen quickly when it matters most.
Private health costs are rising
The cost of private consultations, diagnostics and surgery has risen sharply. A private medical insurance policy spreads these costs and protects your family from unexpected bills.
Mental health support is often excluded from NHS
Many private medical insurance policies now include mental health cover, including therapy and psychiatric care, which can be extremely difficult to access quickly through the NHS.
FCA-regulated advisers, whole-of-market access
Every adviser in our network is authorised by the Financial Conduct Authority and compares private medical insurance from all major UK providers including AXA, Bupa, Vitality, Aviva and Cigna.
Regulatory references
Three steps to protecting your family's health
Tell us about your family
Share the ages and health circumstances of everyone you want to cover. We use this to identify the most appropriate policies for your situation.
Get matched with a health insurance specialist
MomPlans connects you with an FCA-regulated adviser who specialises in private medical insurance and compares products from across the UK market.
Compare your personalised options
Your adviser presents a shortlist of policies with clear explanations of what each covers, what is excluded and how much each costs per month.
They gave their families faster, better care.
"My son needed a specialist referral and the NHS wait was over 4 months. My MomPlans adviser sorted private cover and he was seen within 10 days. I cannot put a price on that peace of mind."
"I had no idea how affordable a family private medical policy could be. My adviser found us cover including mental health support for less than £150 a month. It changed everything."
"Being self-employed means I cannot afford to wait months for treatment. My adviser explained exactly what each policy covered and helped me choose one that suits my situation perfectly."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
FCA-regulated advisers
Every adviser on the MomPlans network is authorised by the Financial Conduct Authority and has a legal duty of care to find the right policy for your family.
Whole-of-market comparison
Your adviser compares private medical insurance from all major UK providers, including AXA, Bupa, Vitality, Aviva and Cigna.
No pressure, no obligation
You receive a clear, written recommendation and you decide freely whether to proceed. There is no pressure and no time limit.
UK GDPR compliant
Your health and personal data is handled with complete confidentiality and in full compliance with UK data protection law.
Your questions answered
Do I need private health insurance in the UK?+
You are not required to have it. The NHS provides free care at the point of use. However, private health insurance gives your family faster access to consultants, specialists and diagnostics, typically within days rather than months. It is particularly valuable if you are self-employed, have children, or have a pre-existing condition that might benefit from faster specialist review.
What does private health insurance cover?+
Most policies cover private specialist consultations, in-patient and day-patient hospital treatment, diagnostic tests such as MRI and blood tests, and surgery. Many now also include mental health cover, physiotherapy and cancer care. What is covered varies significantly between policies and insurers, which is why comparing with an adviser is important.
What is typically not covered by private medical insurance?+
Most policies do not cover pre-existing conditions (conditions you had before the policy started), routine GP visits, cosmetic procedures, dental or optical care (unless specifically added), pregnancy and fertility treatment, or chronic conditions such as diabetes or asthma (ongoing management). Your adviser will explain the exclusions clearly before you commit to any policy.
How much does private health insurance cost for a family?+
Costs depend on the ages and health of everyone covered, the level of cover you choose and whether you add extras such as dental or optical. A family of four can typically expect to pay between £100 and £300 per month for a mid-level policy. Your adviser will find the most competitive quote for your specific family circumstances.
Can I get private health insurance if I have a pre-existing condition?+
Yes, but the pre-existing condition is typically excluded from cover, at least initially. Some insurers offer moratorium underwriting, which means the condition may be covered after a set period without symptoms or treatment. A specialist adviser will know which insurers are most likely to offer you the best terms.
Is MomPlans regulated?+
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice ourselves. Every adviser we introduce you to is authorised and regulated by the Financial Conduct Authority.
Your family's health should not depend on a waiting list.
MomPlans connects you with an FCA-regulated adviser who compares private medical insurance from across the market and finds the right cover for your family's needs and budget.
- Free cover comparison
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- Whole-of-market PMI
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- FCA-regulated advisers
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice. Private medical insurance premiums and cover details are illustrative only and depend on individual circumstances and the policy chosen. MomPlans does not provide or administer health insurance policies.