Do I need health insurance?

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Do I really need health insurance?

In the UK we’re fortunate to receive free medical treatment through the National Health Service (NHS), so it begs the question: why would anyone pay for private healthcare if it’s already publicly available?

Is private medical insurance for me?

It largely comes down to personal preference – however, there are some significant benefits to taking out private health insurance. These include:

  • Treatment in a private hospital or ward rather than in an NHS hospital
  • Access to the very latest treatments, and the newest drugs
  • Fast diagnosis and treatment from a specialist private consultant, rather than waiting for NHS treatment
  • The ability to arrange your appointments to fit your schedule
  • Comfortable hospital surroundings, such as private rooms, en-suite bathrooms, televisions, and Wi-Fi
  • Being able to choose where you receive treatment

To find out more about the benefits of private medical insurance, read our Guide to health insurance.

Private health cover may not be right for everyone. For example, you may not want to pay for private medical insurance if:

  • You don’t have the money
  • You’re happy to wait for NHS treatment
  • You receive private healthcare insurance as part of a benefits package from your employer
  • You have the security of savings that you can use to pay for individual treatments should you become ill

Private health insurance is a great way to supplement the care offered on the NHS. If you want more control and choice over your healthcare – with the best possible treatment, at a time that suits you – private health insurance could be right for you.

Useful health insurance guides

We know insurance isn’t always the easiest subject to understand, so we’ve produced a range of helpful, plain English guides to clear up any confusion and answer your questions. Choose a guide from the list below to find out more about private medical insurance.
View all the guides

Usay Compare makes finding the right private health insurance easy.

We compare thousands of medical insurance policies from the UK's leading insurers, including Aviva, Bupa, AXA, Vitality and more. We make it our mission to find you the most competitive health insurance cover that’s right for you – and your family.
We do all the hard work so you don't have to.

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    Step 1 Answer a few simple questions
  • Step 2
    Step 2
    We compare the best prices for you
  • Step 3
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