Private healthcare comes with a range of benefits. By going private, depending on your cover level, you’ll usually be able to:
Avoid NHS waiting lists for surgery and the need to take time off work due to pain. Private medical insurance means you don't have to wait for treatment.
Access a wider range of treatments, therapies and drugs that wouldn't be available on the NHS.
Get a faster diagnosis through quicker access to consultants and diagnostics. This can put your mind at rest or get you a diagnosis.
Access top specialists and consultants with private health insurance, which can also make it easier to choose your own doctor.
Choose when and where you get treatment. You can arrange treatment at a time that's convenient to you and, depending on your plan, choose where you receive it.
Stay in a private, en-suite room in a private hospital rather than a large ward and shared facilities.
Health insurance works in the same way as any other insurance policy - you pay monthly or annually, and your insurer covers the cost of any treatment you need.
There are two main elements to medical insurance:
Treatment only cover is included with most policies. This protects you with cover for things like operations that you need to go into hospital for, or other treatment you receive while you’re there.
The diagnosis side of health insurance includes things like consultations with specialists, blood tests, MRIs and CTs that help to find out what’s wrong with you.
If you have treatment-only cover, you’ll need to visit an NHS GP first for a diagnosis. Once you’re diagnosed, you can then be treated at a private facility.
If you have full or partial diagnosis cover, you can be diagnosed and treated privately.
Depending on your level of cover, your health insurance policy may cover just one aspect, or it may cover both.
Health insurance covers the cost of any private healthcare you receive. But exactly what is covered depends on your policy.
This is why it's important to compare health insurance plans and understand what's covered.
We compare three tiers of health insurance to find the best deal for you:
Basic, or treatment only, covers the cost of any treatment you need, including operations, while you’re in hospital, as well as the cost of your stay. Any testing you need won't be covered.
You can still have tests done on the NHS. But private diagnosis and outpatient care, including things like consultations with specialists, will not be paid for.
Medium, or treatment and limited diagnosis, covers treatment, as well as some diagnostic testing. This can include blood tests at private hospitals, consultations with specialists and things like MRIs.
These will usually be done quicker than they would be on the NHS. You’ll normally be given a set amount of cover for these tests, for example, £1000 worth over the course of a year.
Comprehensive or treatment and full diagnosis covers all your treatment, including any diagnostic testing you undergo at private facilities. Additional support like mental health care, physiotherapy and dental work may also be covered.
Yes. If you’ve held a health insurance policy for 12 months or more, switching cover is an option for you. If you’d like to move to a different insurer, you have two options:
Switch policies. This means you can transfer your current policy to a new insurer, without a break in cover. Depending on the condition, your policy may continue to cover previous conditions under your new insurer. If you want to explore transferring any conditions, you'll need to answer any applicable questions during the switch process.
To switch insurers you’ll need to provide some extra information, such as your medical history. This will determine if the policy is right for you and if the insurer will accept the cover, including any existing conditions and exclusions.
The benefits of switching are:
Start a new policy, also known as a moratorium policy. This means you end your previous cover and start a brand new policy. If you start a new policy, any medical conditions you’ve had in the past 5 years will be excluded until you’ve spent 2 years free of symptoms, treatment, medication or advice for that condition.
If you already have medical insurance, changing insurance companies is the easiest way to save. During May 2023, new customers saved £644.85 on average1 when switching cover with Assured Futures. Compare quotes today to see if you could save.
If you’re new to health insurance, there’s a few easy ways to cut the cost of your policy:
Always compare health insurance plans carefully. Price is important but the cheapest policy won't necessarily provide the cover you need.
Make sure you know what is and isn't covered by your private health insurance to ensure you get good value for money.
1*Customers saved an average 29%, by switching insurers via Assured Futures. The average saving was £644.85 per year. These figures are based on a review of 157 clients that switched to a comparable or better policy. (May 2023)
Most private health insurance policies will not cover pre-existing conditions. These are normally health issues you’ve been treated for in the last five years. But some insurers may put a time limit of four years or less.
Asthma and diabetes are common examples of pre-existing conditions. Unless you’ve gone several years without being treated for them, they usually won’t be covered.
Chronic conditions are similar. These include things like high blood pressure, arthritis and diabetes that are likely to cause you issues for a long time. If you’ve recently received treatment for them, most insurers won’t cover you any further.
When getting a quote, have your medical history and details on any pre-existing conditions to hand to make it a bit easier.
Basic health insurance policies usually won’t cover mental health care. Advanced policies that include full treatment and diagnosis cover will either cover mental health fully or provide this cover as an added extra.
If it’s provided as an add-on, you may have to pay something towards it. Check your policy details to be sure.
You’ll need to be over 18 to take out a health insurance policy for yourself or your family. Children under 18 can still be covered via family health insurance cover, but the policy holder will need to be above the minimum age.
As for an upper age bracket, this will depend on your provider but most health insurance companies will cover you up to any age. Be prepared to pay more though, as the older you are, the higher your insurance costs are likely to be.
Dental insurance may be included in more advanced policies but is unlikely to be covered by basic ones.
If it’s not included as part of your package, you may be able to access dental insurance as an added extra. Here, you’ll likely have to pay something towards the cover you receive, with your health insurance policy covering the rest.
Getting a quote is easy. All you need to do is fill in the form. There we’ll ask you for information that could affect your cover price, these include:
These will help determine whether you’ll be offered a quote, and how much you’re likely to pay for your health insurance.
Always take care comparing health insurance quotes.
Like with any insurance product, paying annually is often slightly cheaper than paying monthly.
You’ll still enjoy the same level of private health insurance however you pay. So it’s simply a matter of finding what works best for you.
An excess is a fixed fee you pay towards the cost of any private healthcare treatment you claim for. You’ll arrange this with your insurer before taking out a policy.
Typically, the higher the excess you’re willing to pay, the cheaper your health insurance quote will be.
Whether you need private medical insurance depends on what you want from your healthcare. Many treatments are available free of charge on the NHS, but often require you to wait to access them.
Due to a lower demand for private healthcare facilities, health insurance allows you to get a diagnosis quicker. You can also avoid waiting lists for the treatment you need. You may even be able to access therapies that the NHS can’t fund.
Take a look at the benefits of private health care on this page for a rundown of the perks of going private and consider whether they’re for you.
No, you shouldn’t need to have a medical to get health insurance. You’ll normally just have to fill out a medical history form, and your provider will do the rest.
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