PMI vs NHS Wait Times: Striking the Balance for Clients' Health

“Two sides of the same coin in the UK healthcare system”

clock • 3 min read

Emma Vaughan, head of protection and health solutions at SimplyBiz, reviews how private medical insurance works to fill in the gaps left by the current state of the NHS and where clients can ultimately gain further access to healthcare privately, albeit with the caveat of attached costs.

The NHS is renowned for providing free healthcare to its citizens, however the issue of long waiting times for treatments and surgeries has plagued the system for years, which has ramped up in the past 18 months with recent reports suggesting there were 7.74 million people on a waiting list at the end of August. This has inevitably led many individuals to explore private medical insurance (PMI) as an alternative. The NHS is a source of national pride in the UK, offering comprehensive healthcare coverage to all residents, regardless of their income or social status. However, the gro...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on PMI

PMI invoices up 8% in Q2: Healthcode
PMI

PMI invoices up 8% in Q2: Healthcode

3.2m invoices processed

Jaskeet Briah
clock 29 July 2026 • 1 min read
Young adults taking out loans to cover private treatment: The Exeter
PMI

Young adults taking out loans to cover private treatment: The Exeter

Financial pressures impacting wellbeing

Jaskeet Briah
clock 28 July 2026 • 2 min read
'The AI-enabled doctor will see you now' – How the latest tech is supporting mental healthcare
PMI

'The AI-enabled doctor will see you now' – How the latest tech is supporting mental healthcare

As mental health demand grows, PMI providers must adapt sustainably. Rob Harvey spoke to Vitality's Dr Rishi Patel about AI's role in delivering personalised care.

Rob Harvey, Vitality
clock 22 July 2026 • 2 min read