Individual Health Insurance

Your health is arguably your most important asset – individual health insurance allows you to protect your health and well-being as best you possibly can – with access to private healthcare, and all the best treatments and medicines that come with it.

We work tirelessly to find the best insurance policies to suit your specific requirements and budgets, by accessing the leading health insurers in the UK and using our friendly, expert advisers to guide you seamlessly through the process.

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Breakthrough cancer drugs and treatment

24/7 access to a private GP helpline

Mental health support and treatment

Fast access to the treatment you need

What is Health Insurance?

Health Insurance, also known as Private Medical Insurance, PMI or Healthcare, is an insurance policy, which covers the cost of private medical care. Whilst paying directly for private treatment is possible, health insurance allows for potentially costly treatments to be much more accessible with monthly premiums and options to suit your individual budget.

What are the main benefits of Health Insurance?

Private medical care can give access to the latest and best medicines and treatments, for example cutting edge cancer treatment, which may not be available on the NHS. It offers treatment in additional comfort, with your own private en-suite room and a la carte menu. It is also much more flexible, allowing you to be in charge of where and when your treatment takes place, avoiding long NHS waiting times.

How does Health Insurance work?

Private Medical Insurance doesn’t replace the NHS it complements and supports it. When you take out a policy you can pay a monthly or annual premium and in the event you require treatment, the PMI policy pays directly for diagnostics and treatment at a private hospital.

There are a wide variety of levels of cover. These can be roughly split into two categories though, depending on the need for a hospital bed: Basic inpatient cover, accounts for all treatments requiring a hospital bed (whether that is overnight or not). More comprehensive outpatient cover also covers diagnostics, consultations and treatments not requiring a bed.

What does private health insurance cover?

Health Insurance is designed to cover acute conditions – these are treatable short-term injuries or illnesses such as heart disease or cancer. It is not designed to cover chronic conditions, which are incurable, long-term problems such as diabetes or HIV.

  • 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.

Emergency treatment will always be provided for by the NHS.

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • Stroke aftercare
  • HIV & Aids
  • War, riots and terrorism
  • Dangerous sports such as base jumping, snowboarding, etc.
  • Each insurer has its own list of exclusions, and our expert advisers will happily talk you through what is and isn't included for any policy we sell.

Frequently Asked Questions

Will my Private Medical Insurance cover emergencies?

Private Health Insurance does not generally cover emergencies. Private Hospitals do not have A&E facilities onsite, therefore our NHS hospitals are best equipped in emergency situations. International policies may cover you in emergency situations up to a monetary limit, which will be stated within your policy documents.

What is the 6-week option?

A 6-week option is something we can add to your plan to help reduce your premium. Should the NHS be able to see you within 6-weeks, then you will receive treatment on the NHS and will not have to claim. If the waiting list exceeds 6-weeks, you will be covered to be seen privately straight away.

Can I still use the NHS if I have Medical Insurance?

Yes – the NHS is available to all UK citizens with or without insurance. Treatment for all pre-existing and chronic conditions will still be treated by the NHS, as well as any emergencies. Your insurance will cover treatment for acute conditions.

Will my premium be higher if I take out an individual policy?

No, generally speaking, the premium you pay is for each individual anyway. Insurers run different offers throughout the year, which sometimes include “Partner Goes Free”, however, there are plenty of offers available to individuals. Speak to one of our expert advisors to find out what discounts you are eligible for.

Can I choose my private hospitals?

There are three different options you can choose: Essential, Countrywide and Extended Hospital Lists. Essential lists tend to help lower your premium and covers you to stay in NHS private patient units along with your local private hospitals. The Countrywide list extends the coverage of the Essential list, giving you access to private hospitals and clinics. The Extended list gives you access to the widest access including London private hospitals.

Will my pre-existing condition increase my premium?

This will be dependent on the insurer you choose to get cover with. Many of our leading insurers will not increase your premium based on a pre-existing condition. Factors such as your age, location and level of cover will have an impact on your premium.

Are there additional costs other than my monthly/annual premium?

There are options to add an excess onto your policy, this will help reduce your premium. If you choose this option, which most of our clients do, you will have to pay your chosen excess when you claim on your policy. If there are any shortfalls in your claims, you may be required to contribute.

Do you offer No Claims Discount?

Yes! Some of our insurers offer No Claims Discounts up to 80%.