Private health insurance.
Private medical insurance may offer access to eligible private consultations, diagnostics or treatment for covered conditions, depending on the policy and hospital network.
Friendly advice, tailored to your circumstances. Product terms, underwriting and exclusions apply.
How does this cover work?
The cover and claims process depend on the insurer and product. Policies can vary in their approach to outpatient benefits, inpatient care, hospital choice, excesses and pre-existing conditions.
The right amount and type of cover depends on what you want to protect, your existing arrangements and your budget. An adviser can explain which features matter and what a policy may not cover.
Things worth checking
- Check exclusions for pre-existing or chronic conditions, policy waiting periods and underwriting method.
- Compare hospital lists, outpatient limits, excesses, co-payments and renewal premiums.
- Employer-funded medical benefits may have tax implications; check with the business accountant or payroll adviser.
Frequently asked questions.
Does private medical insurance replace the NHS?
No. It can provide a route to certain private healthcare services but does not replace emergency care or all NHS services.
Will an existing medical condition be covered?
Not necessarily. It depends on the policy, underwriting and exclusions. Always check the insurer's terms before relying on cover.
Not sure what to choose?
We can talk through your priorities, existing cover and available options, with no pressure to take out a policy.
Talk to a protection adviser ↗No policy provides cover for every eventuality. The insurer's terms, conditions and exclusions determine the benefits payable.
Related protection options.
Employee benefit protection
Group protection benefits can help employers offer meaningful support to their teams, from death-in-service cover to income protection and healthcare.
Explore coverCritical illness cover
A serious diagnosis can affect work, savings and family life. Critical illness insurance can provide a lump sum if you meet the policy's definition of a specified condition.
Explore coverIncome protection insurance
Your bills don't stop when you're unable to work. Income protection is designed to replace part of your income if illness or injury prevents you working, subject to the policy terms.
Explore coverFurther information: MoneyHelper: insurance guidance ↗ This is general guidance, not a personal recommendation or tax advice.