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Alternatively, read our information guide below and make sure your health is adequately covered, or visit the information sections to discover where to find private health insurance that is competitively priced.

Private Health Insurance Guide

In recent years this type of product has evolved to offer different levels of healthcare cover to suit most people’s requirements. Private health insurance is designed primarily to cover the cost of private medical treatment in the event of a policyholder suffering acute conditions through illness or injury. By definition, it is not meant to replace healthcare provision offered by the National Health Service, hence why Private Hospitals do not cater for accidents or emergencies.

Most private health insurance companies define acute conditions as those which can be treated promptly and cured within a short space of time. Depending on the type of insurance policy private medical treatment may consist of specialist consultations, diagnostic tests, outpatient treatments, surgery, hospital accommodation, doctor’s fees and rehabilitation. Minor or routine operations such as wisdom tooth extractions or bunions are fairly typical of the type of medical complaints that fall under the scope of such private health insurance policies.

In some cases, pre-existing medical conditions are not covered indefinitely or for a specified period which could be a long as five years. For many, the advantage of private medical insurance is the reassurance of knowing that possible (NHS) waiting lists do not apply with regard to diagnostic tests or operations for new conditions, and that prompt treatment is available assuming this is authorised by the private health insurance provider.