Q: Why consider private health insurance?
Private health insurance gives you faster access to diagnosis and treatment outside of NHS waiting lists. It allows you to choose from private hospitals and experienced medical specialists across the UK, helping you get seen sooner when it matters most.
Q: What’s the difference between Private Health Insurance and Private Medical Insurance (PMI)?
There is no real difference. Private Health Insurance and Private Medical Insurance (PMI) are two terms for the same type of cover. Both are designed to cover the cost of eligible private medical treatment.
Q: What types of cover are available?
Policies can range from hospital-only cover to more comprehensive plans that include outpatient consultations, diagnostics and specialist referrals. Cover levels, excess options and underwriting terms vary between insurers - which is why comparing personalised quotes is important.
Q: Does age affect premiums?
Yes. Premiums are usually based on factors such as age, location and the level of cover selected. Costs can vary significantly between insurers, which is why comparing tailored quotes can make a meaningful difference.
Q: Is there an excess?
Most policies include an excess — the amount you agree to pay towards a claim. Choosing a higher excess can reduce your monthly premium, depending on the insurer and level of cover selected.
Q: Can I cover my whole family?
Yes. Many policies allow you to include your partner and children on one plan. Family cover can provide reassurance that everyone can access private treatment when needed.
Q: Can smokers apply?
Yes. Smokers can obtain cover, although premiums may reflect increased health risks depending on the insurer.
Q: Can I get cover with a pre-existing condition?
This depends on the insurer and underwriting type. Some policies exclude pre-existing conditions, while others may offer limited cover depending on your medical history. A specialist can explain the available options based on your circumstances.
Q: How do I get a quote?
Simply complete the short form on our site. A regulated UK health insurance specialist will compare suitable options from leading insurers and provide personalised quotes based on your needs.