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Common conditions that are covered include:

If you’re fit and healthy, private medical insurance covers most acute medical conditions. Commonly covered conditions include:

  • Cancer including palliative care, diagnosis, chemotherapy, radiotherapy, etc.
  • Heart Disease including aftercare cover
  • Stroke aftercare
  • Sports injuries unless you’re a professional sports person
  • Mental health issues including counselling and psychiatric care
  • Complementary therapies such as physiotherapy and osteopathy
  • Alternative therapies including acupuncture, chiropractic, homeopathy, etc.


Exclusions:

All insurers have exclusions which generally will include anything that will only ever be dealt with by NHS, such as:

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • Travel

Each insurer can have their own list of exclusions, so it’s best to get expert advice to talk through what is and isn’t included. It makes it far more simple and straightforward when you tell us about yourself. You can get started by answering a few questions above.

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Protect your future and loved ones

We work with trusted intermediaries to give you peace of mind, safe in the knowledge that you and your family are covered for any event.

We never wish for an injury or to fall ill but we all know it can happen so it is better to be prepared.

  • We work with regulated intermediaries who can provide independent and impartial advice on leading UK health insurance providers.
  • Our partners find policies for you to avoid NHS waiting times, so that you can focus more on recovering and less time waiting.
  • Private medical insurance offers a variety of benefits, from flexible appointment times to a choice of specialist consultants and doctors. Patients are given private en-suite rooms, a full à la carte menu and much more, offering the best services available.
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Which Health Insurer partners are trusted by over 25,000 people for their private health cover. Why? Because they make life easier by quickly finding the best deals from the UK's leading insurers.

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*Potential savings of up to 40% are calculated based on an analysis of 12 months of sales data for one of our partners, Usay Compare, through October 2024.

**This is the cost of cover starting at £26.19 per month for a 30-year-old individual, approximately £6.5 per week or 85p per day in March 2026. This example assumes a mid-level plan with a £200 excess and is based on someone living outside London.

⁺This is the cost of cover starting at £52 per month for a 50-year-old individual in March 2026. This example assumes a individual plan with a £200 excess and is based on someone living outside London.