UK Private Health Insurance
Your health is your most valuable asset, and health insurance helps you safeguard it effectively. Private health insurance grants you access to private surgery, innovative treatments and medicines. With a range of options available, you can customize a policy to fit your exact needs. For guidance and free expert advice, our advisers are just a phone call away. Simply click the button below for assistance.
At Insured Health, we help clients compare policies for leading UK insurers including Aviva, AXA, Bupa and Vitality to find the right cover for their needs.
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Whats the benefits of health insurance?
Private health insurance, also known as private medical insurance, offers an alternative way to access healthcare alongside the NHS. It can provide faster access to specialists and surgeries, a choice of premium hospitals and consultants, and treatment options that may not always be available through NHS services.
- Faster Access to specialists and treatment
- Enjoy faster access to treatments and specialists, on average a wait time for a private appointment is just 2-5 days. When your health is your biggest asset being seen as quick as possible is key.
- Reduced waiting times
- With over 7 million people currently on NHS waiting lists, many individuals choose private health insurance to access consultations, diagnostic tests and treatment more quickly.
- Specialist drugs and treatments
- Private health insurance can provide access to a wider range of treatments, medications and medical technologies that may not always be available through the NHS.
- 24/7 GP Services
- Many private health insurance policies include access to 24/7 GP services, enabling customers to speak with a doctor at any time and often receive referrals for consultations, tests or treatment where appropriate.
- Choice of hospitals and consultants
- The ability to choose your consultant or hospital gives you greater flexibility and control over your healthcare, allowing you to decide where you are treated and which specialists oversee your care.
- Private hospital rooms
- Staying in hospital can be an uncomfortable experience. With private health insurance, many policies provide access to a private room, offering greater comfort, privacy and a more relaxed environment during treatment.
- Peace of mind
- One of the most valued benefits of private health insurance is the peace of mind it provides. Having quicker access to appointments, tests and treatment can remove the stress of long waiting times, while flexible policies to fit all your needs.
Individual Health Insurance
Individual health insurance provides peace of mind by giving you faster access to consultations, tests and treatment when you need them. Policies can also offer access to a wider range of treatments and comfortable private facilities. At Insured Health, we take the time to understand your requirements and compare policies from leading UK insurers to help you find the right cover for your needs.
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Family Health Insurance
Family health insurance provides comprehensive cover designed to protect the health and wellbeing of your whole family. We understand how valuable family time is, which is why we make the process simple by comparing policies from leading UK insurers and helping you find the right cover for your family.
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Senior Health Insurance
Retirement is a hard-earned privilege and protecting your health is key to enjoying it. Our team understands the importance of providing quality and affordable cover later in life, whether you are reviewing an existing policy or looking for a new plan that fits your needs.
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Doctors & Dentists Health Insurance
As a doctor or dentist, you understand the importance of protecting your health and maintaining access to high quality care. Private health insurance can provide faster access to consultations, tests and treatment when needed, with some insurers offering preferential rates for medical professionals.
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Professional Sports Health Insurance
As a professional athlete, your health and physical performance are vital to your career. We understand the additional strain that professional sport can place on your body, which is why we help arrange health insurance designed to provide faster access to consultations, tests and treatment, helping you return to peak performance as quickly as possible.
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Business Health Insurance
Business health insurance helps protect both you and your employees, supporting the wellbeing of your team and the continued success of your business. Our team will listen to your requirements and compare policies from leading UK insurers to help you find the right cover and premium for your company.
Check My PriceWhat does health insurance cover? 🩺
Private health insurance policies are generally made up of two main elements: core cover and optional extras. Core cover is included as standard and typically covers treatment and surgery carried out in a private hospital. Within your core cover, there are often different levels available for services such as specialist consultations, diagnostic tests, excess levels and hospital preferences.
Optional extras allow you to enhance your policy with enhanced benefits such as therapies, mental health cover, dental and optical benefits, or travel insurance.
Each insurer offers different options, with some benefits included as standard and others available as add-ons. Our team takes the time to understand your requirements and ensure your policy is tailored to provide the level of cover that best suits your needs.
Core Cover
| Benefit | Description |
|---|---|
| In-patient Cover | In-patient means that you're treated in hospital and you stay overnight. You're admitted to hospital, and you would have a bed. |
| Day-patient Cover | Day-patient means you are admitted to a hospital for a procedure and are given a bed, you are discharged on the same day. |
| Out-patient Cover | Outpatient covers for appointments with a consultant and diagnostic tests, most insurers have different out-patient levels to choose from. |
| Cancer cover | Most policies have cancer cover included with core cover, and this provides cover from diagnosis to treatment and onwards. |
| GP Access & Support | Most insurers provide a digital GP service within their core cover, providing accessible advice when required. |
Optional Extras
| Benefit | Description |
|---|---|
| Therapies | Cover for physiotherapy, osteopath and chiropractic treatment. |
| Mental Health | Cover for mental health varies for each insurer, most insurers include some as standard but as an extra it will provide access to in, day and out-patient treatment. |
| Dental & Optical | Each insurer has levels of Dental & Optical cover, usually providing cover for dental treatment and refunds toward cost of glasses or eye tests. |
| Travel Cover | Cover for medical emergencies abroad, lost luggage, delayed flights. Options for europe or worldwide and trip length, not all insurers offer travel cover. |
Health Insurance, Simplified 🛡️
Insured Health goes beyond the role of a traditional insurance broker. We make the process simple and transparent, helping you understand your options and find the right policy with confidence.
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Health Insurance FAQ
Answers to common questions about private health insurance.
Most health insurance policies cover you for treatment and surgery of medical conditions, you have options to include cover for consultations, diagnostic tests and 24/7 video GP services.
Additional cover may be available for mental health treatment, therapies, dental and optical care. Some insurers also offer travel cover. For more information, see our Health Insurance Guide.
No. In the UK, private health insurance works alongside the NHS rather than replacing it. Many people still rely on NHS services for emergencies and the management of chronic conditions. However, due to increasing demand and longer waiting times, some people choose private insurance to access faster appointments and treatment.
Private health insurance is designed to cover new medical conditions that arise after your policy begins, so pre existing conditions are usually excluded when starting a new policy. However, if you already have private health insurance and are looking to switch providers, its usually possible to continue cover for conditions that are already included on your current policy.
One of the benefits of working with Insured Health is that we compare options across insurers to help find the most suitable policy for your circumstances. We will also help you understand clearly what can and cannot be covered before you take out a policy.
The cost of private health insurance varies based on factors such as age, where you live, the level of cover you choose, your excess and medical history. Basic cover for younger adults can start from around £30 per month, although costs usually increase with age and more comprehensive cover.
The main reasons are:
- Faster access to specialists and treatments
- Choice of hospital and consultants
- More privacy or private rooms
- Access to treatments or drugs not available on the NHS
However, with growing pressure on the NHS and longer waiting times for some treatments, more people than ever are considering private health insurance to access faster care.