There are 4.4m people on NHS waiting lists, according to NHS England

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What is health insurance?

Private health insurance covers the cost of private medical treatment. You pay a set amount every month and if you require medical treatment, you can claim for the costs rather than paying for it yourself or receiving treatment by the NHS.

There are lots of different health insurance plans to choose from. Basic health insurance policies cover essential treatments, comprehensive policies include specialist therapies and medicines.

Private medical insurance is when you pay a monthly amount to the insurance company and it pays for your treatment including hospital care, surgeries and medication.

What’s covered by health insurance

  • Private GP appointments
  • Private specialist consultations
  • Physiotherapy
  • Daily in-patient treatment
  • Daily out-patient treatment including overnight stays
  • Private hospital treatment
  • The use of diagnostic equipment

Please note that when you enquire about private health insurance, you should be provided with a comprehensive list of conditions and treatments that cannot be claimed for. This could also include things like organ transplants, routine pregnancies, self-inflicted injuries, mobility aids, sports or activity-related injuries, substance abuse and more. Always be sure to check and confirm you are comfortable with what the provider will not cover before signing the agreement.

Benefits of private health insurance

There are a number of good reasons to pay for private medical insurance as it generally ensures you:

  • Treatment and diagnostic scans can be accessed quickly bypassing the NHS times;
  • Extra support like extended physiotherapy;
  • Access to a wider range of treatments;
  • Have more control over the hospital you are treated in, and maybe even access to specific treatments not made easily available on the NHS;
  • Can avoid NHS queues and waiting times to against faster access to consultants and treatment;

What are the typical costs of health insurance?

For a healthy, non-smoking 35-year-old
Provider Cost per month
Vitality £39
Aviva £42
Axa £44
Exeter £42
Bupa £56
Prices are correct as of January 2021.

Compare health insurance

We make it easy to find private health insurance to suit the needs of individuals, couples and families. Working with insurers such as Vitality, Aviva, AXA and Bupa, we search from over 100 policies to find you the best one that suits your budget and lifestyle.

We understand how important it is to find the best medical insurance deal, so you can rely on our team of Private Medical Insurance Advisors who can help you with the process get a quote that suits you. Our health insurance services are completely free of charge.

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