NHS Consultants and Their Use of Private Medical Insurance
Cureus. 2026 Feb 12;18(2):e103466. doi: 10.7759/cureus.103466. eCollection 2026 Feb.
ABSTRACT
INTRODUCTION: NHS (National Health Service) waiting times and workforce pressures have increased in recent years, alongside growth in the UK private healthcare sector. NHS hospital consultants have detailed knowledge of NHS systems and, in some cases, experience of private practice. However, there is limited evidence regarding the extent to which consultants themselves purchase private medical insurance (PMI), or their reasons for doing so. This study aimed to explore rates of self-funded (opposed to employer-provided) PMI ownership among NHS hospital consultants and to examine reported motivations for purchasing PMI.
METHODS: An anonymous, cross-sectional online survey was distributed to NHS hospital consultants in England via Royal Colleges and professional networks. The survey collected information on specialty, geographical region, age group, ownership of self-funded PMI, reasons for purchasing PMI, and engagement in private practice.
RESULTS: A total of 445 responses were received, representing approximately 0.7% of NHS hospital consultants in England. Forty-five respondents (10.1%) reported holding self-funded PMI. The most common age group among consultants with PMI was that of 45-54 year olds (42.2%). Psychiatrists, orthopaedic surgeons, and paediatricians accounted for the highest numbers of respondents with PMI. The most frequently cited reason for purchasing PMI was faster access to healthcare (35.6%), followed by peace of mind, family coverage, and perceived quality of care.
CONCLUSION: In this exploratory survey, self-funded PMI ownership among responding NHS hospital consultants appeared higher than published estimates for the UK general population. Faster access to healthcare was the most commonly reported motivation. Given the low response rate and potential for selection bias, these findings should be interpreted cautiously and may not be truly representative of the group as a whole. Further studies with larger, more representative samples are required to better understand healthcare access perceptions among senior NHS clinicians.
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