Personal quote

Existing cover

Medical information

All providers offer different cover levels and flexibility on adding or removing benefits, by indicating the level of cover you require we will provide you with options that are the closest to your requirements. Please be aware however that no 2 policies are exactly the same and no 2 insurers offer the same level of flexibility.

For those of you who already have a policy in place we will provide quotations closest to the cover level you have now UNLESS you indicate any changes in cover required below:

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Important notice

Before you get a quote, we need to make you aware of a few conditions. To be eligible for our health insurance you must:

  • be registered with a GP for at least six months
  • be a UK resident that has lived here for at least six months
  • live at the same address with any family members that are included on your quote
  • not receive payment for taking part in sports

Medical Insurance FAQ

What is health insurance?
Health insurance – also known as private medical insurance (PMI) – is designed to cover the cost of private medical treatment for illnesses and injuries that are curable and short term.

What does health insurance cover?
Cover will depend on the policy you choose and the amount that you pay, but it may include:

  • Outpatient treatments
  • Day-patient treatments
  • In-patient treatments

What are the potential benefits of being a private patient?
The benefits of being a private patient will depend on your policy but could include:

  • Shorter waiting lists than the NHS
  • Private rooms, possibly with own en-suite
  • Enhanced Facilities
  • Possible access to a wider range of treatments than what is available on the NHS

How much will a private medical insurance policy cost?
This is dependent on:

  • Level of cover required
  • Individual circumstances
  • The policy itself

Does being healthy affect my premium?
It’s possible that adopting a healthier lifestyle could reduce the amount you pay for your policy – read more in our article on how being healthy affects premiums.

What is not covered by a private medical policy?
Health insurance policies do not generally cover:

  • Chronic conditions ie those that cannot be cured
  • GP services
  • Accident and emergency admissions
  • Pre-existing conditions

Are there other exclusions on private medical policies?
Circumstances or events that may not be covered include:

  • Drug abuse
  • Self-inflicted injuries
  • Infertility
  • Cosmetic surgery
  • Preventative treatment
  • Mobility aids