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Low cost private health insurance

The NHS supports UK residents with free healthcare but many opt in for private health insurance for the peace of mind.

Be more confident about getting prompt private treatment when you need it for you and your family, at the most affordable price.
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family walking with baby with private health insurance
family walking with baby with private health insurance
The NHS supports UK residents with free healthcare but many opt in for private health insurance for the peace of mind.

Be more confident about getting prompt private treatment when you need it for you and your family, at the most affordable price.
Get a Quote

What are the benefits of
private health insurance?

1

Make your stay
more comfortable

Access to the best private consultants, all while being in your own private hospital room.

2

Cut the waiting time

Get quicker access to consultants, tests and treatment. Appointments can be booked around your work and personal lifestyle.

3

You could be covered
from as little as £38pm
Source
Premium based on a 35 year old and premiums vary depending on cover choices and personal circumstances.
Source
Premium based on a 35 year old and premiums vary depending on cover choices and personal circumstances.

For little more than the cost of a typical gym membership, you could be enjoying the peace of mind that comes from having private medical insurance.

How does private health
insurance work?

Private health insurance provides cover for private medical care, at least in part from your chosen insurer. It can often remove long waiting times for those needing treatment, providing peace of mind without putting your life on hold.

Typically you will pay a monthly or yearly subscription with your chosen insurer and this fee will be based on a variety of different information about you such as age, location, how comprehensive your chosen plan is, your lifestyle and your medical history. Generally speaking, the more cover you add to your policy, the more expensive it will become.
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How to lower the cost of your health insurance

In order to get cheaper health insurance premiums, there are a number of adjustments that can be made to your policy. The most simple way to have the most affordable health insurance plan is to opt for a basic level of cover. Typically this would just cover you for inpatient care and won’t necessarily cover you for anything required in the lead up to your inpatient visit such as diagnostic tests and appointments with a consultant.

Other variables that can lead to cheaper health insurance premiums include:

  • An increase in your excess payments should you require a claim against your policy
  • Opt for a reduced hospital list, lowering the number of hospital locations you can visit as part of your policy
  • Reduce the amount of outpatient cover on your policy
  • Opt for a ‘Six-week option’, meaning that you will use the NHS if it can deliver the required inpatient treatment within six weeks of your referral

A more comprehensive guide to reducing the cost of your health insurance premiums can be found here.

family walking with baby with private health insurance

Switching to more affordable health insurance

If you have an existing health insurance policy, there’s a good chance that you may have seen your premiums rise over time. By regularly reviewing your policy, you may be able to switch health insurance providers and receive a more affordable price.

Switching health insurers can be tricky, especially if there is a complicated health background for the policyholder. Our expert advisers can not only look to find a better value health insurance policy for you, but can also ensure that your existing cover can be switched and continued seamlessly with a new provider. On average people save 20% on their health insurance when they switch with us.

Source
Based on the average across 569 private medical insurance policies sold between 1st August 2020 and 31st December 2020
Source
Based on the average across 569 private medical insurance policies sold between 1st August 2020 and 31st December 2020

Better Health
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Get more from
health insurance

On average people save 20%
on their health insurance when
they switch with us
Source
Based on an average across 701 private medical insurance policies sold between 1st July 2023 and 31st December 2023
Source
Based on an average across 701 private medical insurance policies sold between 1st July 2023 and 31st December 2023

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