Take Control of Your Health With Private Health Insurance
Health shouldn’t wait. With private health insurance, you can gain access to high-quality medical care more quickly, helping to ensure peace of mind for you and your loved ones. Whether you’re seeking diagnostic consultations or tailored treatment plans, private health insurance can help prioritize your healthcare needs.
When you choose to explore a health insurance policy through us, you pay a premium, and the insurer may cover all or part of the costs of eligible treatments. Coverage typically includes acute illnesses and conditions such as cancer, subject to the terms and conditions of the policy. While each policy offers flexibility for customization, it is important to note that pre-existing conditions, chronic conditions (other than cancer), and certain treatments may not be covered.
We act as intermediaries connecting individuals to UK FCA-approved health insurance brokers. We are not regulated by the Financial Conduct Authority (FCA) and do not provide financial advice.
Why Choose Private Health Insurance?
Private health insurance offers benefits that may complement NHS healthcare. Here’s what private health insurance could provide:
01
Reduced Wait Times
NHS waiting lists can be lengthy. Private health insurance offers the opportunity for faster access to diagnostic services, specialist consultations, and treatments.
02
Cancer Care Coverage
Many private health insurance policies provide various levels of coverage for cancer treatment, including surgery, chemotherapy, and radiotherapy, helping policyholders manage their care efficiently.
03
Customization Options
You can adjust your policy based on your budget and needs. Options may include adding family members or selecting coverage levels.
04
Digital GP Consultations
Some policies offer access to 24/7 GP consultations via video, making it convenient to receive advice whenever you need it.
05
Health and Wellness Perks
Many insurers provide additional benefits, like discounts on gym memberships or health programs, to promote overall wellness.
Remember, the specific benefits and coverage are subject to the terms of your chosen policy, and some restrictions may apply.
How Much Does
Private Health Insurance Cost?
The cost of private health insurance can vary, depending on factors such as:
01
Age and Location
Older individuals and those living in certain parts of the UK may face higher premiums due to the increased likelihood of making claims or the cost of healthcare services in their area.
02
Claim History
A history of claims might influence your premium, reflecting the perceived risk to insurers.
03
Level of Coverage
Enhanced policies or adding family members to the plan will generally increase costs.
04
Excess Amount
Selecting a higher excess can help reduce monthly or annual premiums, but you will need to contribute more towards the cost of any claims.
Our partner brokers can help you find a policy that works within your budget while meeting your needs.
What’s Typically Covered by Private Health Insurance?
Private health insurance generally focuses on covering unexpected or acute medical needs. Policies may include benefits like:
- Access to private specialists and faster diagnostic tests.
- Diagnostic procedures such as MRI or CT scans.
- Cancer treatment at eligible stages, including surgery, radiotherapy, and chemotherapy.
- Post-treatment care and follow-up appointments
It’s important to check the exclusions and limitations of your policy. For example, pre-existing conditions, chronic illnesses (except cancer), and elective treatments may not be covered.
What You’ll Need to Get a Quote
Getting started with private health insurance is straightforward. To obtain a quote, you’ll generally be asked to provide the following information:
01
Personal Information
Your name, address, and date of birth.
02
Start Date Preferences
Indicate when you’d like the policy to begin.
03
Family Details
If you’re including family members in your policy, their details will also need to be provided
04
Coverage Selection
Specify your desired level of coverage, such as optional add-ons for dental care or mental health support
05
Medical History
Choose between moratorium underwriting or full medical underwriting to determine how pre-existing conditions are addressed.
Please note that our role is to connect you with FCA-authorized brokers who can assist in comparing policies and finding the best fit for your needs.
Frequently Asked Questions (FAQs)
What is private health insurance?
Private health insurance is a way to access faster medical care at private healthcare facilities. It works alongside the NHS, offering additional flexibility and options for those looking to take control of their healthcare.
Does it cover pre-existing conditions?
Typically, private health insurance does not cover pre-existing conditions. However, depending on the type of underwriting you choose, it may be possible for certain conditions to be covered after a set time period with no symptoms or treatment.
Can I cover my family?
Yes—many policies allow you to add partners and children to create a comprehensive family plan.
How can I adjust my policy?
Policies can often be customized to meet your budget and healthcare priorities by selecting different levels of coverage, opting for higher excesses, or adding extras like dental or mental health coverage.
Our referral services are designed to connect you with experienced, FCA-authorized brokers who can guide you through these options and help you find coverage tailored to your circumstances.