It’s one of the most common questions people ask when exploring private medical insurance (PMI): “Why does my friend pay less than me when we’re the same age and both healthy?” On the surface, it feels unfair. However, private medical insurance premiums are influenced by far more than just your current state of health. Understanding these factors can help you make smarter choices and avoid paying more than you need to. Health Is Only One Piece of the Puzzle While insurers do

Private medical insurance isn’t something most people revisit once it’s set up. Life gets busy, policies renew automatically, and as long as everything seems to be ticking along, it’s easy to assume nothing needs changing. But in reality, an annual review of your health insurance can save you far more than you might expect — not only financially, but in terms of protection, clarity, and peace of mind. At Assure-u, we regularly see clients save hundreds of pounds a year, impro

When people first look into private medical insurance, it’s natural to focus on the big, headline benefits: access to private hospitals, shorter waiting times, and the reassurance of knowing specialist care is available when needed. But one of the most valuable elements of a private medical insurance policy is often the one most easily overlooked — outpatient cover . For many families, professionals, and individuals looking to protect their health, outpatient cover is not jus