Compare affordable private health insurance quotes within minutes.
- Quick access to medical professionals and treatments
- Convenient appointment scheduling and reduced wait times
- Premium healthcare with private rooms and access to leading UK consultants.
PROVIDERS
Compare health insurance from our 16+ leading UK providers, including:
What is Health Insurance?
Private health insurance, also known as medical insurance, is a specialised policy crafted to cover the financial burden of private healthcare services.
It covers:
- The costs incurred for private medical treatment primarily for health conditions that arise after the policy’s term starts. The scope of coverage depends on the type of policy, leading to fluctuating price points.
- Straightforward payment mechanism: You make monthly payments via Direct Debit to your insurance provider and then file a claim when the need for medical care arises.
Private Health Insurance
It’s similar to having a financial safety net in place to ensure you receive the care you need, when you need it, without the lengthy wait times often associated with public healthcare systems.
What does private health insurance cover?
Understanding health insurance is key, especially since every policy is unique. It’s all about finding the right fit for your lifestyle and needs. Generally, most health insurance plans cover these essential aspects:
- Treatment in Private Hospitals: Access to medical care in private healthcare facilities.
- Private Consultations: The ability to consult with private healthcare professionals.
- Physiotherapy: Coverage for muscle, bone, or joint conditions that may require physiotherapy.
- Out-Patient Care: This includes scans, tests, x-rays, and hospital appointments where hospitalisation is not necessary.
However, as you weigh up your options, consider your unique needs and preferences. Some more comprehensive policies might offer additional benefits like:
- Mental Health Cover: Ensuring that mental health services and treatments are part of your coverage.
- NHS Hospital Cash Benefit: Providing financial support if you choose NHS care over private facilities.
- Parent Accommodation: Beneficial if you have children and need to stay close to them during hospitalisation.
Note: When comparing health insurance, remember to factor in the needs of your family members. Some insurers may offer discounts or tailored family plans that cater to the healthcare needs of your entire household. It’s all about finding the right balance between your individual requirements and those of your loved ones.
The benefits of our health insurance:
Recovery and Aftercare:
Health insurance ensures swift access to vital aftercare services, such as physiotherapy, which plays a pivotal role in facilitating your recuperation process.
Choice of Surgeon and Hospital:
In many instances, health insurance empowers you to make choices that align with your personal preferences. You generally have the freedom to handpick your preferred specialist and hospital for treatment, although your insurer may offer valuable recommendations.
Reduced Waiting Times:
Health insurance can significantly cut down waiting times, guaranteeing prompt access to consultants, diagnostic tests, therapies, and treatments. This translates into timely care without extended delays.
Specialist Referrals:
Health insurance allows you to receive care from leading experts in their respective medical fields. Specialist referrals grant you access to the most proficient and knowledgeable healthcare practitioners.
Specialist Treatments:
Another advantage is the potential access to advanced treatments and medications that may not be readily accessible within the National Health Service (NHS). Health insurance can serve as a gateway to cutting-edge specialist therapies and pharmaceuticals.
Private Rooms:
Health insurance frequently encompasses the provision of private rooms during your hospital stay. These private accommodations not only provide enhanced comfort but also come with amenities like televisions and en-suite facilities, enhancing the overall quality of your healthcare experience.
Recovery and Aftercare:
Health insurance ensures swift access to vital aftercare services, such as physiotherapy, which plays a pivotal role in facilitating your recuperation process.
Choice of Surgeon and Hospital:
In many instances, health insurance empowers you to make choices that align with your personal preferences. You generally have the freedom to handpick your preferred specialist and hospital for treatment, although your insurer may offer valuable recommendations.
Reduced Waiting Times:
Health insurance can significantly cut down waiting times, guaranteeing prompt access to consultants, diagnostic tests, therapies, and treatments. This translates into timely care without extended delays.
Specialist Referrals:
Health insurance allows you to receive care from leading experts in their respective medical fields. Specialist referrals grant you access to the most proficient and knowledgeable healthcare practitioners.
Specialist Treatments:
Another advantage is the potential access to advanced treatments and medications that may not be readily accessible within the National Health Service (NHS). Health insurance can serve as a gateway to cutting-edge specialist therapies and pharmaceuticals.
Private Rooms:
Health insurance frequently encompasses the provision of private rooms during your hospital stay. These private accommodations not only provide enhanced comfort but also come with amenities like televisions and en-suite facilities, enhancing the overall quality of your healthcare experience.
How much does health insurance cost?
The cost of health insurance varies significantly and is influenced by several factors:
Age
Your age plays a substantial role in determining your health insurance premiums. As you get older, the likelihood of developing health issues increases, which often leads to higher premium costs.
Location
Your postcode matters. If you reside in metropolitan areas like London, Manchester or other major cities, where healthcare facilities and private treatment centres are more expensive, you might face higher insurance costs.
Coverage Level
The extent of coverage you select has a direct impact on your premium. Comprehensive coverage, which offers a wider range of benefits, is typically more expensive than basic plans. Optional extras, if added, can also increase your premium.
Excess Level
Opting for a higher excess, the amount you're willing to pay before your insurance kicks in, can help lower your premium. However, it's crucial to ensure that the excess is affordable for you in case you need to make a claim.
Opt for a Higher Excess:
Consider selecting a larger excess amount. However, ensure it’s a realistic and affordable figure because you’ll be required to pay it before any claims are processed
Trim Outpatient Coverage:
Reducing or eliminating outpatient coverage can lead to lower premiums. Assess your healthcare needs and decide if this adjustment aligns with your requirements.
Limit Hospital Choices:
Opt for a policy with a reduced hospital network. However, make sure that the available hospitals meet your needs and preferences.
Consider the 'Six-Week Option':
Some insurers offer a ‘six-week option,’ meaning you can’t make a claim if NHS treatment is available within six weeks. This choice may lead to reduced premiums, but it’s essential to evaluate if it suits your healthcare expectations.
Opt for a Higher Excess:
Consider selecting a larger excess amount. However, ensure it’s a realistic and affordable figure because you’ll be required to pay it before any claims are processed
Trim Outpatient Coverage:
Reducing or eliminating outpatient coverage can lead to lower premiums. Assess your healthcare needs and decide if this adjustment aligns with your requirements.
Limit Hospital Choices:
Opt for a policy with a reduced hospital network. However, make sure that the available hospitals meet your needs and preferences.
Consider the 'Six-Week Option':
Some insurers offer a ‘six-week option,’ meaning you can’t make a claim if NHS treatment is available within six weeks. This choice may lead to reduced premiums, but it’s essential to evaluate if it suits your healthcare expectations.
What do I need to get a health insurance quote?
Click on Get a quote:
Click on "get a quote" and answer some simple question like the type of health insurance policy you're interested in or speak to our advisor to learn the best option for yourself. This could be an individual policy, a family policy, or coverage for a specific purpose like maternity or dental care.
Personal Details:
We will need you to provide some personal information, including:
- Your full name and date of birth.
- Contact details, such as your address, phone number, and email.
- Family member details if you're applying for family coverage.
- Information about pre-existing medical conditions, if applicable.
We will contact you:
Once we receive your enquiry, our senior experts will analyse your situation and offer the most affordable and comprehensive cover for your needs.
The lady who I spoke to was brilliant. She was lovely and pleasant whilst being professional and fully informative. She was not pushy at all. She certainly had the right attitude and was engaging. If everyone was like her it would be perfect.
Christine Notley
This was the easiest transaction I’ve had in a long time, the customer service was amazing and very helpful and nice to talk with, would highly recommend the company to friends family etc, fantastic customer service. 5 stars from me.
Zoe Mary Hall
Mr Gower was very professional and found the right cover for me. He was polite and engaged in conversation, explained everything easily.
Callum Dobson
Frequently Asked Questions
You must renew your policy every 12 months.
Note: Health insurance providers will usually send you renewal information well in advance of your policy’s expiration date, giving you time to make any necessary adjustments or changes to your coverage.
You can include immediate family members like your spouse, partner, or children on your policy. If you add two or more children under 19, you only pay for the oldest until they turn 20.
Yes, health insurance premiums typically change on an annual basis. Insurance providers often adjust premiums due to factors such as inflation, changes in healthcare costs, and your age, among others. It’s important to review your policy each year during the renewal period to understand any changes in premiums and coverage, and to ensure that your policy continues to meet your needs.
You must renew your policy every 12 months.
Note: Health insurance providers will usually send you renewal information well in advance of your policy’s expiration date, giving you time to make any necessary adjustments or changes to your coverage.
You can include immediate family members like your spouse, partner, or children on your policy. If you add two or more children under 19, you only pay for the oldest until they turn 20.
Yes, health insurance premiums typically change on an annual basis. Insurance providers often adjust premiums due to factors such as inflation, changes in healthcare costs, and your age, among others. It’s important to review your policy each year during the renewal period to understand any changes in premiums and coverage, and to ensure that your policy continues to meet your needs.
