Private Medical Insurance

1. Make your stay more comfortable: With private health insurance, you gain access to the best private consultants and enjoy the comfort of your own private hospital room.
2. Cut the waiting time: Say goodbye to long waiting times. Private health insurance provides quicker access to consultants, tests, and treatment. Appointments can be conveniently scheduled around your work and personal lifestyle.
3. Affordable coverage: You can obtain private medical insurance coverage for a cost similar to a typical gym membership, you can have the peace of mind that comes with private health insurance.. Premiums may vary based on your cover choices and personal circumstances.

How Private Health Insurance Works

Private health insurance offers coverage for private medical care, partially or fully funded by your chosen insurer. It eliminates long waiting times, ensuring you can receive necessary treatment without putting your life on hold.

You pay a monthly or yearly subscription fee to your insurer, which is determined by factors such as your age, location, the comprehensiveness of your chosen plan, your lifestyle, and medical history. Generally, the more comprehensive the cover, the higher the cost.

Lowering the Cost of Health Insurance

There are several ways to reduce the cost of your health insurance premiums:

1. Opt for basic cover: Choosing a basic level of cover that includes inpatient care can lower your premiums. Additional coverage for diagnostic tests and consultant appointments may not be necessary.
2. Increase excess payments: Opting for higher excess payments in the event of a claim can result in lower premiums.
3. Choose a reduced hospital list: Limiting the number of hospitals you can visit as part of your policy can lead to lower premiums.
4. Reduce outpatient cover: Adjusting your policy to have less outpatient cover can help lower costs.
5. Consider the “Six-week option”: If the NHS can deliver required inpatient treatment within six weeks of referral, you can choose this option and utilize NHS services instead of private healthcare.

Switching to More Affordable Health Insurance

If you currently have health insurance and have experienced rising premiums, it may be beneficial to switch to a more affordable provider. Our expert advisers can assist you in finding a better-value health insurance policy and ensure a seamless transition from your existing cover to the new provider.