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Health insurance is a form of private insurance that pays for medical treatment if you get ill or suffer an injury.
Although most UK residents are entitled to free healthcare on the NHS, there are often long waiting lists for treatments. Having health insurance means you can be diagnosed faster and start treatment sooner than may be possible through the NHS.
By joining a health insurance scheme, you make a monthly payment to the insurance company, and the insurer pays for your medical treatments when you require them.
Can you rely on the NHS to deliver high-quality medical care when you need it most? If not, then having private health insurance gives you and your family peace of mind should you get ill.
In addition to faster access to treatments, some specialist drugs may not be available on the NHS because they are deemed too expensive, but they can possibly be accessed via your health insurance cover.
There are a variety of health insurance policies that you can choose according to your needs.
Firstly you must decide whether you want to have health insurance as an individual, on a joint policy with your partner, or require health insurance for your immediate family.
On offer, there is a range of cover and premiums to best suit everyone's specific needs.
As everyone is different. There is also a range of cover options letting you tailor your private health insurance so it’s right for you. When you get a quote you can add and remove these options and see how it impacts the price.
Prices for individual health insurance policies start from around £28 per month∫
The cost of your health insurance will depend on a variety of factors such as your age, your postcode, and your lifestyle. Not smoking may aid fitness levels and possibly help to reduce the cost of a premium. Your medical history will also be taken into account.
Aside from these factors, the main price influencers are the type and level of insurance cover you select. An estimate being - an individual choosing a basic policy will pay less per month than for comprehensive family cover, but the medical provision will also be lower.
Different policies will have different inclusions and exclusions . However, there are several illnesses and treatments that will commonly be excluded from most health insurance schemes.
These may include:
Always take a little time to understand what is and isn’t included in your health insurance policy. Many people often find it’s worth paying extra per month for a higher level of illness cover.
Our service helps you to compare health insurance quotes through an authorised FCA regulated broker or insurer. There's no obligation to purchase, it's always entirely your choice.
Please note all third-party insurer logos on this site are a trademark of their respective owners. Some of the brokers we work with may not be able to provide quotes from all of the insurers featured.
*bbc.com/news/health-56752599
**health.org.uk/publications/long-reads/nhs-performance-and-waiting-times
∫ This is based off a non-smoking 25-year-old, with mid-level cover paying a £200 excess living outside of London with £500 outpatient cover
Please note: BestCompare are specialist lead generators who will earn a fee by introducing you to an authorised FCA regulated broker or insurer who can send you relevant quotes. We are not an independent price comparison site, or an insurance Brokerage. We do not offer financial advice.
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