Cover you will benefit from with Private Health Insurance
Sports injuries
Health insurance can save you from long, painful waits for ligament operations, joint replacements, slipped discs, hernia operations and many more. Getting you back to working and living as quickly as possible. Not for anyone who is paid to participate in their sport***
Digital GP
Staying healthy just got a whole lot easier. Video call appointments from home; day or night, the same day, prescriptions delivered to your door and direct referrals to consultants as required. Included within the core cover of health insurance plans.
Family cover
Many policies can include cover for your whole family, giving peace of mind that if your children were unwell, you would be able to offer them the best treatment, without the wait.
Heart disease
In the UK there are more than 100,000 hospital admissions each year due to heart attacks: that's one every five minutes British Heart Foundation Health insurance covers treatment and aftercare.
Stroke aftercare
There are more than 100,000 strokes in the UK each year. That is around one stroke every five minutes and over 1.2 million stroke survivors in the UK Stroke Association
Health Insurance can also cover mental health treatment including counselling and psychiatric care, complementary therapies such as physiotherapy and osteopathy, and alternative therapies like acupuncture, chiropractic and homeopathy.
Invaluable peace of mind is cheaper than most people think.
Health insurance is about prioritising your health and being proactive about protecting it. Most insurers offer incredible support, incentives and rewards for taking care of your health, such as:
- 50% off gym memberships**
- 40% cashback on healthy food from Waitrose**
- Big discounts off mindfulness apps like HeadSpace, Buddhify and Calm**
- 24/7 stress counselling helpline
- Maternity/childbirth cashback
- Cancer support
- Talking therapies networks
- Rewards for physical activity like cinema trips **
- Online support communities
- Huge collections of free expert-written health advice
- Digital GP
Frequently Asked Questions
We know private health insurance can be confusing sometimes, but we are here to help.
In the UK we are lucky to have a National Health Service. However, anyone can benefit from Health Insurance who values the reduced waiting times, access to better medicines and treatments, additional comfort and privacy, and more choice and flexibility around when and where your treatment takes place.
Yes you can, however, the pre-existing condition will be excluded for cover on the policy. In most cases, this is reviewed after two years should there be no medical advice, treatment or medication within the first two years of the policy for that condition. This will depend on which underwriting style is best for you and your situation.
An excess is an amount each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and the insurer would pay the rest. In the event of the claim being lower than the excess, then the remainder of the excess “pot” would be used towards the next claim.
All insurers have a list of conditions and examples that will not be covered, these are known as “general exclusions”. Some of these general exclusions include routine pregnancy, war, riots and terrorism, and routine maintenance of existing chronic conditions. These will all be detailed within your policy documents but if you would like to know more, give us a call and we will be happy to help.
No, absolutely not. Unlike life insurance there are no medical examinations or nurse screenings to attend. Some policies may ask you some eligibility criteria that will include information about your most recent medical history however most policies we sell do not require you to divulge ANY medical information at all.
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