Why Consider Private Health Insurance UK?
Private health insurance provides access to private healthcare, helping you bypass long NHS wait times and enjoy faster, more personalized medical care. While you’ll still have full access to NHS services, private health insurance can complement these by offering quicker diagnostics, treatments, and access to specialists.
Here are the top benefits of private health insurance:
- Shorter Waiting Times: Faster access to consultants, diagnostic tests, therapies, and treatments.
- Specialist Referrals: Meet experts in various medical fields for early diagnosis or additional opinions.
- Choice of Specialists: Select your preferred doctors and hospitals within a broad private network.
- Private Rooms: Comfortable stays in private rooms equipped with en-suite bathrooms and modern amenities.
- Exclusive Treatments: Benefit from treatments and medications not always available through the NHS, depending on your policy.
What Does Private Health Insurance Cover?
The extent of coverage depends on the policy and provider. We connect you to FCA-approved brokers who can help you explore policies tailored for individuals, couples, families, or self-employed workers.
Common Areas of Coverage:
- Inpatient Treatments: Hospital stays, diagnostic tests, and surgeries.
- Outpatient Care: Follow-up appointments, tests, or therapies after medical procedures.
- Physiotherapy: Post-treatment rehabilitation or ongoing care.
Comprehensive Coverage Options May Include:
- Specialist Consultations: Access to diagnostics and consultations with specialists.
- Mental Health Support: Coverage for therapy sessions (online or in-person), depending on the policy.
- Therapies: Additional services like osteopathy or chiropractic care.
- Virtual GP Services: Quick access to professional advice remotely.
Many policies exclude pre-existing conditions, emergency care, cosmetic treatments, and chronic illness management, but specifics depend on the terms agreed with your insurance provider. Always review the terms carefully with your broker before signing up.
Types of Health Insurance Plans
Selecting the right plan is critical. The FCA-approved brokers we work with will help you find options tailored to your needs. Here’s an overview of the available plans you might encounter when discussing with a broker:
- Individual Health Insurance – Perfect for those seeking faster access to private treatment.
- Joint Health Insurance – Covers both you and your partner in a single policy, often offering cost savings.
- Family Health Insurance – Comprehensive coverage for your entire family, usually at competitive rates compared to individual policies.
- Child Health Insurance – Aimed specifically at ensuring children get high-quality care promptly.
- Self-Employed Health Insurance – Provides flexibility, ensuring you can access care quickly and get back to work faster.
If you’re unsure about your current coverage, check whether your employer already provides health benefits. This could save you time and money during your search.
How Does Private Health Insurance Work?
01
Pay Your Premiums
We’ll connect you with an FCA-authorized broker who can discuss your healthcare needs and budget.
02
Choose an Excess Amount
Higher excesses typically mean lower premiums, but you’ll pay more upfront if you make a claim.
03
Make a Claim
When needed, contact the helpline to get approval for treatment based on your policy.
04
Access Treatment
Use your approved list of private providers to find the most suitable care.
Personalize Your Policy with Add-Ons
Working with brokers, you can personalize your policy to suit your situation further. This may include optional extras like:
Here are the top benefits of private health insurance:
- Dental and Optical Coverage : Routine check-ups for eyes and teeth.
- Mental Health Support: More in-depth counselling or therapy coverage.
- Extended Physiotherapy: Recovery care for injuries or surgeries.
- Complementary Therapies: Access to services like acupuncture or homeopathy.
Discuss these add-ons with the FCA-approved broker to see what is available and fits your budget.
Hear From Customers
Key Benefits at a Glance
- Faster access to treatments and consultations.
- Tailored plans to suit your unique health profile.
- Broad coverage options for individuals, families, and self-employed workers.
- Guidance and clarity from FCA-approved brokers.
Remember, we are committed to helping you find the right plan by introducing you to FCA-approved insurance brokers. While we do not provide insurance ourselves or offer regulated advice, we aim to make the process of finding competitive health insurance simple and stress-free.