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Private Health Insurance Quote
  • Private Health Insurance

    Protecting your health...

    Provides you with access to private healthcare so you can bypass NHS waiting lists and receive treatment promptly.
    Have choice over where and when your treatment takes place as well as the specialist who treats you.
    Access the latest proven drugs and treatment - even those not routinely available through the NHS.
    Policies can start from as little as £10 per month.
  • What does
    Health Insurance cover?

    Private Health Insurance pays for healthcare treatment in private medical facilities. The scope of the cover varies considerably depending on the options you select.

    Core Cover

    Most plans will cover inpatient and day patient treatment in full which means that you would be covered for treatment, testing and consultations where a hospital bed is required either overnight or just for the day.

    Outpatient Cover

    To cover initial consultations and diagnostic testing where a hospital bed is not required a level of outpatient cover will need to be selected. This is recommended to avoid NHS outpatient waiting lists.

    Private Medical Insurance Options
  • How does
    Medical Insurance work?

    The level of cover and type of treatment required will determine the exact process but the main variation depends on whether the policy includes outpatient cover.

    No Outpatient Cover

    Group Private Health Insurance No Outpatient Process

    With Outpatient Cover

    Group Medical Insurance Outpatient Process

    Without any outpatient cover you run the risk of having to go through the NHS outpatient waiting list for diagnostic testing and initial consultations.

    NHS Patient Waiting Times
  • Do I need
    Private Health Insurance?

    Although the National Health Service (NHS) does a great job with limited resources, millions of people in the UK decide they would rather be treated privately.

    Why should I go private?

    Those with private healthcare cover benefit from speedier diagnosis and treatment, the highest quality care, lower infection risks, private rooms with internet access and round the clock visiting times.

    Health Insurance is particularly popular with business people and the self-employed who need to return to work as quickly as possible and retired people where NHS waiting times for orthopaedic treatment has traditionally been one of the longest.

    Private Treatment Prices
  • Your Key
    Policy Options

    1. Choose the level of Outpatient Cover
    Although the level of outpatient cover makes a sizable difference to the premiums it does ensure that initial consultations and testing can be done privately.

    2. Cancer Cover
    A popular option is to upgrade the policy so there is no time limit for the provision of biological cancer drugs (some plans have a standard limit of 12 months).

    3. Therapies Cover
    It is common for plans to cover therapies (such as physiotherapy) up to the outpatient limit, although GP referred therapies can be an additional option.

    Medical Insurance Key Considerations
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What is private medical insurance?

Private healthcare insurance is designed to cover the cost of curable (acute) medical conditions in private hospitals or private wards of NHS hospitals.

All policies cover the full cost of conditions that require an overnight stay in hospital (inpatient treatment) or require a period of time in a hospital bed (day-patient treatment).

For example, supposing an individual needed a heart by-pass, their medical insurance would cover the tests and consultations needed in the run-up to the operation and the operation itself.

More comprehensive plans also provide a higher level of cover for treatments, consultations, scans and tests for conditions that do not require a hospital bed.

Additional benefits include cover for psychiatric treatment, physiotherapy and dental surgery whilst other common extras include home nursing, private ambulance and overseas emergency medical cover.

Key policy options

Outpatient cover

In addition to full cover for inpatient and day-patient healthcare, mid-range and comprehensive plans also provide an extended level of cover for outpatient consultations, tests, scans, physiotherapy and psychiatric treatments.

An "outpatient" is someone who does not need to occupy a hospital bed for their treatment. Comprehensive plans will usually cover most outpatient treatments in full.

Dental & Optical Benefit

Although most policies cover dental/oral surgery some policies also provide an option to include a level of routine dental and optical treatment.

Including this option means that the insurer would provide a specified amount of benefit each policy year to contribute to routine dental or optical treatment (in a similar way to a health cash plan). It should be noted that a separate excess usually applies.

Options to lower your premiums

Implement an excess

In order to reduce premiums to obtain affordable health cover it is possible to implement an excess on your policy. Excesses range from £100 to £5,000. For example, an excess of £250 could reduce monthly premiums by approximately 10%.

Implementing an excess means that you would pay that excess amount once per policy year should you need to make a claim.

Six week wait option

If you are on a tight budget or are happy to use the NHS but worry about long waiting lists then a six week wait option may be right for you. With this option you agree to use the NHS for your treatment provided that the wait is less than six weeks.

If the wait is longer than six weeks then you will go private straight away. Including this option could reduce your monthly premiums by about 20%.

Choosing a hospital list

Depending on your choice of private health plan and hospital list you could access over 400 private hospitals across the United Kingdom, including the very best specialist hospitals.

Medical insurers use private hospitals provided by companies such as Bupa, Spire Healthcare, BMI healthcare, HSA Healthcare and Nuffield Health. Opting for a local (or reduced) hospital list could lower monthly premiums by over 25%.

Local hospital list: Local private hospitals which you can choose from when deciding where to receive treatment.

National hospital list: Extends coverage to a choice of hospitals across the country, including specialist hospitals.

London hospital list: Increased selection of London hospitals in addition to those contained on the national hospital list.

Premier hospital list: Receive medical treatment from any private hospital in the UK, including top London hospitals.

Are there any standard exclusions?

Your first port of call when seeking medical advice will still always be your GP and any emergency would still be dealt with at accident and emergency (A&E).

With all private health cover any recent medical treatment or symptoms you have suffered prior to taking out the policy are likely to be excluded from the plan.

How is the medical insurance underwritten?

When it comes to underwriting there are generally two options, moratorium or full medical underwriting (FMU).

With moratorium underwriting there is no need to disclose your medical history, lifestyle information or undertake a medical screening. With this option the policy would automatically exclude conditions you have suffered in the previous five years.

Existing conditions may be included after two years of holding the policy if you have not had to seek additional treatment or consultations. Moratorium underwriting is an option if you are below the age of 65 and have not suffered from heart disease, stroke, cancer or mental illness.

With full medical underwriting (FMU) you would disclose your medical history at the point of application and may be required to undergo a health screening. If you decide to take this option the insurer may place exclusions on the policy for conditions you have suffered in the past.

Why use a private health insurance broker?

Being independent private medical insurance brokers, we are not tied to any insurers and work on your behalf to find you the most appropriate and competitively priced policy.

We have access to over 30 individual and family polices from 10 of the UK's leading insurers, including Aviva, AXA PPP Healthcare, PruHealth, Bupa and Simply Health.

Being expert PMI brokers we can talk you through your options to ensure you gain the cover you want, without any unexpected limitations.

If you have a pre-existing medical condition we are also able to speak to the underwriters at each insurer to try and gain you the most favourable terms available in the market.

Need some advice?

Our aim is simple, couple expert impartial advice with a first class service. We are wholly independent and compare all the leading UK insurers.

We use our buying power to find you the most competitive rates. You are not a number in a queue getting pushed from pillar to post, speak to one of our experts with a direct phone line.

Client Reviews
07/03/2015  L Sexton

Robert Was Fantastic!
From my initial enquiry right up until the policies were confirmed he was extremely informative and knowledgable. Their processes were simple and the team were happy to fit the applications around my long working hours.....

05/03/2015  H Curtis

Friendly and Helpful Staff
Very friendly, helpful service. Matt had a good knowledge of the Insurance products that were available to me and did his best to find a good price within my budget. Thanks :)...

04/03/2015  J Bilby

Great Service All Round.
Rauri really helped me through a long, complex process getting both income protection and life insurance. I've greatly appreciated his advice, knowledge and patience at all stages....

Publisher: Drewberry

Useful Tools

Private Health Insurance Infographic
Association of British Insurers - Private Medical Insurance Guide
Income Protection Quote
Question and Answer

Frequently asked private medical insurance questions

I have an existing health insurance plan however it is coming up to renewal and I would like to see if there are any options to combine my health insurance and dental insurance plan?
There are a number of good private hospitals in my area and I want to know if I can receive treatment in them if I get a health insurance plan?
I have been considering health insurance and speaking to friends understand that pre-existing medical are likely to be excluded from cover. What do they consider serious enough to be excluded?
I am looking for a comprehensive medical insurance plan and want to know what defines a plan as comprehensive as I am unsure.
1. You Come First
We are a client focused business who always aim to put you first.
2. We are Experts
To provide you with the best advice, we need to know our stuff!
3. We are Human
We are real people with feelings who are here to help you.
4. We are truly Independent
We believe the best advice has to be completely unbiased.
5. We are here to Educate
We are here to educate you so you can make informed decisions.

We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.

Our Locations
London Office
Corporate Advice
  020 8432 7333
Brighton Office
Personal Advice
  01273 646 484
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Published by Andrew Jenkinson
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