Frequently Asked Questions

Right now. Taking out Private Health Insurance in the UK, while you are in good health, allows you to plan ahead with confidence and ensures cover is in place should healthcare needs arise. As policies vary between providers, some may include limitations or exclusions for pre-existing conditions, so it is important to review the terms carefully.

Cancellation terms vary depending on the insurer. Policies are usually annual contracts, and terms should be reviewed before cancelling.

If you’re considering family health insurance, you can choose a plan that covers your whole family under one policy. Many insurers allow you to add family members to an existing policy. The options available and any changes to cost will depend on your specific plan and the insurer.

Generally speaking, pre-existing conditions are not covered by private health insurance. However, it isn’t impossible. Whether your conditions are covered depends entirely on your individual circumstances and so it is always best to discuss this with an expert. Fill in your details on our form and someone will be in touch to discuss your options.

Depending on the specifics of your policy, private health insurance may or may not cover optical and dental care. Some insurers may offer coverage as part of your plan only up to a specified amount. Others may not offer any coverage at all. You might be able to add optical and dental care as an add-on with some insurers for an additional fee as well.

What is medical insurance?

Private Health Insurance is a policy designed to cover the cost of eligible medical treatments, subject to the terms of the policy. Also, it provides access to a wide range of private hospitals, with the flexibility of choosing your consultant.

Waiting list
As reported by Click to view NHS List

7.4M Await Specialised Treatment in England

In England, as of December 2024, a total of 7,471,057 individuals were in the queue for various specialties, including Cardiology, Orthopaedics, ENT, and more. This figure reflects a significant monthly change of 220%, underlining the growing demand for healthcare services across diverse medical fields.

These statistics underscore the challenges faced by the healthcare system in meeting the needs of the population and emphasize the importance of addressing and managing the increasing wait times for specialized treatments.

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Medical Insurance Illustration

Why should I consider Private Health Insurance in the UK?

Would you want to wait in the event of an emergency? Would you be able to afford all the medical costs?

UK Private Health Insurance can help reduce delays by providing faster access to diagnostic tests, planned treatments and private consultations. It also offers a larger variety of specialists and hospitals, which allows individuals to have more control over where they would like to receive care. Additionally, it can help protect against the financial impact of medical procedures, surgeries, etc.

Private Medical Insurance does not replace the NHS accident and emergency services.

How much is Private Health Insurance UK cost per month?

Premiums are usually based on factors:

  • Age
  • Location
  • Cover level
  • Medical history
  • Lifestyle factors
Compare the cost today

No matter where you are in the UK, we can help!

We work with highly experienced partners that are able to look at your individual circumstances.

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