Looking for affordable health insurance?

Private health insurance, also known as private health insurance, is designed to cover the cost of eligible private medical treatment for acute conditions that arise after your policy’s start date. A health plan will help you get diagnosed and treated quickly at a private hospital of your choice and at a time that is convenient to you.

Choosing the right health insurance cover can be a daunting task with so many insurers and levels of cover available on the market. This is where a specialist health insurance intermediary such as UK Health Insurance can help you find a plan that best suits your budget and protection requirements.

Have you ever considered taking out a health insurance policy for you or your loved ones?

Despite the heroic efforts of our National Health Service (NHS) and the valuable service it provides, a private health insurance plan has several key benefits that you could experience including:

• Shorter waiting times.
• Access to private hospital.
• Quicker access to more comfortable facilities, such as a private room.
• Choice of treatment at a time and location that are convenient to you.
• Access to virtual GP services from the comfort of your home.

Your health insurance premium depends on multiple factors such as your age, how much cover it provides, how many people are covered or how much excess you will pay when claiming. Taking out the right cover for your needs and not paying for extra benefits that you don’t need is important in keeping your premium affordable.

Health Insurance provides cover for the cost of all or some of your private medical treatment. The amount of cover you have available depends on the type of health insurance plan you have chosen and it would typically cover you for things such as scans and diagnostic tests, surgical procedures and hospital stays.

Generally, private health insurance does not provide cover for pre-existing medical conditions, chronic problems, A&E visits, drug abuse, organ transplants, normal pregnancy and non-essential cosmetic treatments. For a full list of exclusions, you should check the policy document of the health insurance plan you would like to purchase.

Finding the right health insurance plan is not as simple as finding the lowest cost policy as it would be unlikely that this would offer you the cover and health benefits that you need. Finding the right balance between cost and benefits while also taking your medical history into consideration can be a time-intensive and complex process.

Using an independent health insurance broker with access to the whole UK health insurance market would make the entire process faster and much easier. Our specialist advisers can help you choose the plan that covers the most important health benefits for you, while working around your budget.

Most people living in the UK are entitled to free NHS healthcare. Private health insurance is an optional benefit that people pay for to get access to private healthcare instead of waiting for the NHS. While getting private healthcare could be expensive, an affordable private health insurance plan can pay for your treatment in private hospitals.

Having private health insurance doesn’t mean that you no longer need the NHS. In some cases, the NHS could be the only provider of healthcare (such as for emergencies or COVID-19 diagnosis and treatment).