What is Private Medical Insurance?
The policies are often flexible, with options to suit individual or family needs. They can include fully underwritten or modular policies, giving you the power to customize your coverage.
Please note, we are not FCA regulated or an insurance provider. We act as an intermediary to introduce consumers to FCA-authorized health insurance brokers.
Why Consider Private Health Insurance?
Reduce Waiting Times
High-Quality Care
Broader Coverage Options
Policy Flexibility
How Does it Work?
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Step 1
Explore Your Options
Choose a policy that meets your specific needs using guidance from an FCA-authorized broker. They will help you compare options and tailor the plan just for you.
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Step 2
GP Referral
If a medical issue arises, visit your GP. They can refer you for private treatment that aligns with your policy.
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Step 3
Speedy Treatment
With your policy, you’ll gain quicker access to expert private care, avoiding long waiting times.
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Step 4
Wellness Incentives
Many insurance providers offer discounts or benefits for maintaining a healthy lifestyle, so it pays to look after your health.
What’s Included in Private Health Insurance?
Features of private health insurance can vary, but most policies include the following benefits to enhance your healthcare experience:
- Private Treatment – Faster access to private specialists and hospitals.
- Hospital Accommodation – Access to premium healthcare facilities when inpatient treatment is required.
- Outpatient Services – Coverage for consultations and diagnostic tests without overnight stays.
- Mental Health Support – Options for specific psychiatric treatment, ensuring mental health is not overlooked.
Optional extras may include extended cancer coverage, complementary therapies, or non-approved NHS drugs. Remember, coverage specifics depend on the policy you choose with an authorized broker.
What Are People Saying?
Frequently Asked Questions (FAQs)
How much does private health insurance cost?
The cost of private health insurance depends on factors like your age, medical history, location, and selected coverage. For younger customers, plans can start from a few hundred pounds annually but may increase with age or additional features.
Can I lower my premium?
Yes. Options like reducing outpatient coverage, opting for smaller hospital networks, or including co-payments or higher excesses can help reduce costs.
What is a modular policy?
A modular policy allows you to add or remove elements from your coverage, ensuring you only pay for what’s important to you.
Can I switch providers without losing coverage?
Yes, you can—but it requires careful planning. Work with an FCA-authorized broker to ensure a smooth transition without any gaps in your active coverage.
Take Control of Your Health Today
Private health insurance offers faster, tailored care with expert guidance from FCA-authorized brokers. It’s about peace of mind, knowing you’ve got the right plan for your needs.