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 advisors.
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 advisor. They will help you compare options and tailor the plan just for you.
2
Step 2
GP Referral
If a medical issue arises, visit your GP. They can refer you for private treatment that aligns with your policy.
3
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 advisor.
What Are People Saying?
Frequently Asked Questions (FAQs)
How much does private health insurance cost?
Private health insurance costs vary based on your age, health, location, and chosen cover. While entry-level plans can be affordable, premiums increase with broader benefits and age. By choosing to compare top UK health insurers, you can secure tailored cover, avoid overpaying, and find a policy that delivers the right balance of cost and protection.
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, in most cases you can switch health insurance plans in the UK without losing coverage, but there are important steps to follow. When moving to a new insurer, you’ll usually need to provide your medical history. Some providers offer “continuity of cover” or “portability” options, which allow pre-existing conditions covered by your current policy to be accepted under the new plan. To avoid gaps in protection, it’s best to arrange your new policy to start immediately after your current one ends. Always check the terms with both your current and new provider, as coverage for certain pre-existing conditions or waiting periods may vary. Switching providers can help you access better benefits, lower premiums, or services that better suit your health needs without losing valuable protection.
Work with an FCA-authorized broker to ensure a smooth transition without any gaps in your active coverage.
What is the health insurance renewal process in the UK?
The health insurance renewal process in the UK usually takes place annually, when your insurer reviews your policy, premium, and any claims made during the year. You’ll receive a renewal notice outlining your new price and any changes to your cover. At this stage, you can accept the renewal, adjust your benefits, or switch providers if you find a better option. It’s recommended to review your policy carefully and compare alternatives before renewing, as this can help you secure better value or improved cover for the year ahead.
Can I get health insurance after 50?
Yes, you can get health insurance after 50 in the UK. Many providers offer health insurance policies specifically designed for people over 50, with options that cover hospital treatment, specialist consultations, diagnostic tests, and sometimes additional benefits like mental health support and cancer care. While premiums may be higher than for younger adults due to increased health risks, insurers often provide flexible plans with choices around excess, coverage limits, and waiting periods. It’s important to compare providers and policies to find one that suits your health needs and budget. Getting cover after 50 can give you faster access to treatment, reduce waiting times, and complement NHS care, providing peace of mind as you age.
Take Control of Your Health Today
Private health insurance offers faster, tailored care with expert guidance from FCA-authorized advisors. It’s about peace of mind, knowing you’ve got the right plan for your needs.