Individual Health Insurance
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Individual health insurance gives you faster access to the healthcare you need from GP referrals and specialist consultations to diagnostic tests and hospital treatment. With over 7 million people on NHS waiting lists, private cover means you won't be left waiting when your health matters most.
At Insured Health, we compare policies from Aviva, AXA, Bupa, Vitality and more to find the right level of cover at the right price for you. Our advice is completely independent and free.
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Or call us now: 0800 131 0400What does individual health insurance cover?
Most individual health insurance policies include a range of core benefits as standard, with optional extras you can add to tailor the cover to your specific needs.
Specialist Consultations
Fast access to specialist consultants and diagnostic tests typically within 2–5 days rather than months on an NHS waiting list.
Hospital Treatment
In-patient and day-patient treatment in a private hospital, health centre or private section of an NHS hospital your choice.
Cancer Cover
Comprehensive cover from diagnosis through to treatment, including cancer drugs and specialist oncology care.
Mental Health
Access to in-patient, day-patient and out-patient mental health treatment helping you get the support you need quickly.
24/7 GP Access
Speak to a GP any time, day or night, via a digital GP service and get referrals for further care without delay.
Physiotherapy & Therapies
Optional cover for physiotherapy, osteopathy and chiropractic treatment helping you recover from injuries and manage musculoskeletal conditions.
We compare the UK's leading insurers
We search across the whole market so you get the best policy at the best price.
Individual health insurance frequently asked questions
Individual health insurance typically covers specialist consultations, diagnostic tests, in-patient and day-patient hospital treatment, and cancer care. Many policies also include a 24/7 digital GP service. Optional add-ons include mental health cover, physiotherapy and therapies, dental and optical benefits, and travel cover. The exact benefits vary by insurer and the level of cover you choose.
The cost of individual health insurance depends on factors including your age, where you live, your medical history, the level of cover you choose and the excess you opt for. Basic policies for younger adults can start from around £30 per month, while more comprehensive cover for older individuals will cost more. The best way to find out your price is to get a personalised quote our advisers compare the market to find the best value for your circumstances.
Most individual health insurance policies are designed to cover new medical conditions that arise after your policy starts. Pre-existing conditions are generally excluded when taking out a new policy. However, if you are switching from an existing policy, it may be possible to maintain cover for conditions already included on your current plan. Our advisers will explain exactly what is and isn't covered before you take out any policy.
No private health insurance works alongside the NHS, not instead of it. You still have full access to NHS services for emergencies, GP appointments and the management of long-term conditions. However, for conditions where speed of access matters, private cover allows you to bypass long waiting lists and access specialist consultations, tests and treatment much more quickly.
Yes one of the key benefits of private health insurance is the ability to choose your consultant and hospital from the insurer's approved list. This varies between policies; some offer a comprehensive hospital list while others have a guided or limited list which can help reduce the premium. Our advisers will help you understand the hospital list options available from each insurer.
No using a broker like Insured Health will never cost you more than going direct. Our premiums are the same as or lower than the insurer's own quoted price, and our advice is free. We also compare policies from multiple insurers to make sure you're getting the best value overall, not just the cheapest premium.
What Our Clients Say
We are proud to be trusted by clients across the UK for clear, independent health insurance advice. Our reviews reflect the personalised service, expert guidance and ongoing support we provide from first enquiry through to renewal.
"Amazing customer service very nice and polite made sure I understood everything that was explained would definitely recommend."
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