Private Medical Insurance

Ensure your health with insurance you can trust

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What are the advantages of private medical insurance?

There are numerous benefits and reasons to get private medical insurance either for yourself and family, or for your business to protect your employees and yourself as a business owner. Some of these benefits include reduced time off work, increased productivity, and employee retention and recruitment. 

This kind of insurance is integral for your business and your own personal healthcare. Not only can you keep a competitive edge by attracting first rate candidates, but you can also be assured a speedy experience with medical appointments as you skip over the public waiting lists, thus resulting in a minimal impact on business for yourself and your colleagues.

Our private medical policy can offer a great level of protection with benefits that include underwritten previous medical exclusions, group policies, options for dental and optical expenses, and cover for emergencies abroad. It’s important to protect your health with Islands Insurance, so give our friendly team a call today to discuss your private medical insurance options. 

Covers & benefits provided

Having the option to be treated privately makes a huge difference for businesses, professionals, the self-employed and individuals. We arrange private medical insurance “PMI” that allows great flexibility and benefits that include:

Underwritten or continuing previous medical exclusions
Choice of cover levels, hospitals and excess
Group policies available from five members upwards
Option to include dental and optical expenses
Cover for emergencies abroad

Optional Coverage & Policies

There are many benefits and advantages to having private medical insurance, all of which ensure your health and wellness are a first priority.

  • Prompt diagnosis
  • Flexible appointments around your schedule
  • Choice of specialists
  • Access to the latest drugs and treatments
  • Your own private room
  • Choice of hospital
  • Single & family policies
  • Underwriting will continue in previous medical exclusions

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Existing Business Customers

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney