- Inpatient treatment at UK hospitals
- Outpatient treatment
- Consultations with private GPs
- Diagnostic screening, scans and tests
- Access to therapies, treatments and drugs not available on the NHS
What levels of health insurance are available?
There are 3 levels you can choose from. The one you choose depends on what you and your family need.
Treatment only is the most basic level available. As the name suggests, it only covers the cost of treatment. You have to seek diagnosis through the NHS. Depending on the provider, it might also exclude treatment for anything other than cancer.
Treatment and limited diagnosis
Treatment and limited diagnosis covers treatment, including cancer treatment, and a limited amount of diagnostics. This can include consultations and x-rays, but has a cap on the number of diagnostic tests you can get.
Treatment and full diagnosis
Treatment and full diagnosis provides full cover for diagnostic tests, treatment and cancer cover. Comprehensive policies might also provide cover for mental health conditions or dental treatment.
What our health insurance expert says
What affects the price of health insurance?
The age of the 2 adults on the policy. The older you are, the more at risk you are of needing medical care. So, if the adults named on the policy are older, you might pay more.
The number of people you want to add to your policy. The more people you add, the more you're likely to pay.
Where you live. Depending on your location, private hospitals might charge more for care. For example, private hospitals in London tend to be more expensive.
The medical history of all policy members. If you or any of your family members named on the policy have any pre-existing conditions, you might have to pay more for cover.
The smoking history of all policy members. Smoking increases the chance of developing certain illnesses, such as cancer. So, insurers see you as higher risk and increase your costs.
The level of cover you want. A more basic policy typically costs less than one that provides comprehensive cover.
Any optional extras you add to your policy. Optional extras come at an added cost. So, the more you add, the more your insurance costs overall.
How can I get cheaper health insurance?
Work out what level of cover you need. Generally, treatment only policies are cheaper than treatment and full diagnosis policies, because they cover less. So, if you're happy to rely on your NHS GP for diagnosis, you could choose a lower level of cover.
Consider increasing your excess. This is the amount you pay towards any claims. Increasing your excess can lower your insurance prices. Just make sure you set it at a level you could afford to pay if you needed.
Choose optional extras carefully. Each optional extra you add costs you more. So, only adding extras you think you and your family needs means you don't pay as much.
- Follow an active, healthy lifestyle. Leading a healthy lifestyle can reduce your risk of certain conditions, resulting in cheaper insurance.
- Reduce the number of hospitals you can access. Choosing a smaller number of hospitals you can be treated at can reduce your prices.
- Add a maximum NHS waiting period. Agreeing to use the NHS if wait times are less than 6 weeks can reduce your prices. This is because it reduces the chances of you seeking private healthcare.
Why choose Confused.com?
We're 100% independent. This means we're not owned by an insurance company, so we show you the best prices available at the time, no matter who they're from.
We're FCA regulated, as are the 13 health insurance providers on our panel. This means we follow strict operational guidelines to make sure we always do things the right way for you.