Skip NHS waiting lists – compare private health insurance quotes with ActiveQuote
If you have an illness or injury, health insurance can cover private treatment for pre-agreed conditions and ailments.
Insurers sometimes refer to health insurance as private medical insurance (PMI) but in most cases the product is the same - although what’s covered will vary from policy to policy.
Private health insurance could cover treatments like:
Health insurance policies don’t generally cover:
Getting the right health insurance is crucial. First things first, work out which type you’ll need:
This is a policy that covers you for private medical care.
You might already have health insurance through your employer so it’s worth checking before you take out a policy.
Will cover you and your partner on the same policy.
It can be easier to only have to deal with one provider, but check whether it works out cheaper than separate policies first.
Provides cover for your children, should they need medical care.
Family health insurance can cover the whole family for one monthly premium.
It’ll pay out a cash sum should anyone need medical assistance.
Dental insurance can pay out to help you with NHS or private treatment.
You’ll pay an upfront sum and then claim it back through your insurance.
International health insurance can protect you and your family while you’re living abroad.
This could save you from shelling out a huge amount on medical fees.
Here are a few things we might ask you for:
When you want it to start, your budget and your postcode
Some basic things like your name, date of birth and who you want the policy to cover
Who do you want the policy to cover?
You could reduce your monthly premiums by:
Non-smokers usually get a cheaper deal
Your company may offer free healthcare – check before you buy a policy
But only if you’d be able to afford to pay that amount upfront
A lump sum generally works out cheaper than monthly premiums
Certain insurers will give you a cheaper deal if you stay fit
Are there any treatments you feel you could cut from your policy?
Compare your options to make sure you’re getting a great deal
The benefits of being a private patient will depend on your policy but could include:
This is dependent on the policy you choose and your individual circumstances, including the level of cover you require.
Insurers will consider many different factors when calculating your insurance premium such as:
You might be able to bring your premium down further by choosing a six week wait option on your policy. This means that if the NHS waiting list is less than six weeks for the treatment you need, you’ll have it done on the NHS instead.
Have a think about: