Frequently Asked Questions
Health insurance in the UK covers many things; however, these vary depending on your insurer.
- The cost of eligible medical treatments
- Diagnostics tests
- Consultant and specialist fees
- Inpatient and outpatient treatment
- Dental and optical care
Health Insurance premiums vary depending on many factors:
- Age
- Cover level
- Location
- Medical history
- Lifestyle factors
Why should I take out Health Insurance in the UK?
The National Health Service is under a lot of pressure, which often results in longer waiting times for appointments, tests, or treatments.
Health Insurance in the UK helps you avoid this.
If you want faster treatment, the flexibility of choosing where you want to be treated and who by, with peace of mind and financial protection if healthcare needs ever arise.
Apply for health insurance todayWhat Health Insurance Plans are available in the UK?
Individual Health Insurance
A policy that covers one person under a single policy. It can be tailored to your specific needs, allowing you to choose your level of cover, excess and optional extras.
Family Health Insurance
A policy that covers multiple family members under one policy. This is often more cost-effective than separate policies and allows for easier management, although each person is assessed individually.
Joint Health Insurance
A policy that covers two adults, usually a couple, under the same plan. While both individuals are covered separately, the policy is managed together, which may reduce costs.
Over 50s Health Insurance
A policy that is designed specifically for people aged 50 and over. This cover may cost more as the likelihood of needing medical care increases.
How do I make a health insurance claim in the UK?
Speak to your GP and ask for a referral
The GP will assess you and decide whether you need any treatment.
You can do this through the NHS or your Private Health Insurance, but if you're seeing an NHS GP, let them know you have private health insurance, as they can provide you with an open referral letter so that you can show this to your insurer.
Check your treatment is covered
Once you have your open referral letter, contact your private health insurer, and you will be notified whether your treatment will be covered.
Book your treatment
Private Health Insurance allows you to choose which consultant you would like to see.
Request next stage of treatment (if needed)
After seeing a specialist, they may think you need a follow-up treatment. So, make sure you contact your insurer.
Paying for your treatment
When your insurer approves your treatment, they will usually pay the consultant or hospital directly, so if you receive an invoice, it is best to contact your insurer before paying.
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