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Private Medical Insurance : Shared Risk schemes

Get a quote

Get a quote

You can either "Get a Quote" direct from the health insurance provider or let us submit "Your Enquiry" to up to 3 providers of health insurance in the UK on your behalf.

Private medical insurance "shared risk" plans are listed on the right. Select a plan to view details of what is offered.


Many people feel they neither need nor can afford a private medical insurance covering virtually everything. They are wary of choosing a limited risk, wanting to protect some treatments that a limited cover policy does not, or not cover treatments which a limited risk cover does. It is all about personal choice.


The approach

Most private medical insurance policies have an excess, the amount of the claim that you pay yourself. The first solution is to see if your insurer will reduce the costs if the excess is increased. The amounts on offer vary, but can be up to £1000.

An alternative is to select a High Excess policy which only offers a high excess. Typically the excesses on offer are £1000, £2500, £3000, and £5000. Some policies limit the total amount you could be asked to pay in one year. 

Another alternative is a Shared Responsibility cover. You pay a percentage of the treatment costs yourself. Typically this can be between 25% and 75% of costs. The more you pay, the lower the premium. Usually there is a £ limit on how much you can be expected to pay in one year.

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Private Medical Insurance (PMI)

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Featured shared risk plans : Select a product