Private health insurance

What is private medical insurance?

If you require private healthcare and you have a private medical insurance policy, your insurance provider will pay some or all the cost of the treatment. You can pay for private health insurance in annual or monthly instalments ('premiums'). What you are covered for depends on your policy.

 

What are the benefits of private health insurance?

Policy holders have consultations sooner and treatments faster than those on NHS waiting lists.

Treatment may be in private hospital by some of the country’s top consultants, with high healthcare staff to patient ratios. These hospitals insist on high standards of cleanliness, comfort and catering - private ensuite rooms, nutritious and high quality food. Within the limits of your policy, the hospital and doctor is your choice.

Some policies may include drugs or treatments that are not available from the NHS but are approved by the National Institute for Health and Care Excellence (NICE).

Some policies may include a private ambulance, 24-hour advice, parental accommodation (if your child is in hospital) and home nursing.

There are different levels of cover so do check the quotes, IPIDs and policy documents. You may be able to pick what you would most benefit from or simply choose a fully comprehensive policy that includes everything.

 

What are the types of private health insurance?

The types of private medical insurance include:

  • Individual health insurance - protecting yourself
  • Family health insurance - protecting your whole family
  • Child - protecting your child
  • Joint health insurance - protecting you and your partner

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Who can offer you a quote?

Assured Futures can offer you private health cover from up to 11 great brands:

  • Aviva
  • Axa
  • Bupa
  • CS Healthcare
  • Freedom Healthcare
  • General Medical
  • National Friendly
  • Saga
  • The Exeter
  • Vitality
  • WPA

 

 

How much does private health insurance cost?

Like other types of insurance, the amount you pay - the premium - depends on different factors. These include:

  • Age
  • Whether or not you smoke
  • The number of people you want to cover
  • Whether you’ll pay monthly or once a year
  • The level of cover you want (‘treatment only’, ‘treatment and limited diagnosis’ or ‘treatment and full diagnosis’)
  • The maximum excess (the amount you’re willing to pay towards treatment, ranging from £0 to £1000)

Where and how to buy private medical insurance

Simply get a quote online, complete the form and consider the quotes that are presented to you. You will be able to compare the insurers on the level of cover, the amount of excess you are willing to pay and any extras. Balance cost and coverage to make sure the chosen policy is the best fit at an affordable cost. Once you have found the policy you are happy with you can complete your online purchase.