Personalised Coverage for Your Health Journey
Our individual health insurance plans provide comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
- Flexible coverage options to suit your budget
- Access to private hospitals and specialists
- Reduced waiting times for treatments and consultations
- Coverage for pre-existing conditions (subject to terms)
- Mental health support and wellbeing services
Insurance Cover
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals
Virtual GP Services Available
Convenient Online Access: Many UK health insurers now offer virtual GP services as part of their policies, allowing you to speak with a qualified GP from home or work, often within hours.
Comprehensive coverage designed around your unique healthcare needs and budget. Whether you’re looking for basic coverage or a premium plan with extensive benefits, we’ll help you find the perfect match.
Peace of Mind is only a phone call away
Individual health insurance typically covers inpatient treatment, day-patient treatment, outpatient consultations, diagnostic tests, and specialist referrals. Many policies also include coverage for physiotherapy, mental health services, and advanced treatments not readily available on the NHS. Coverage varies by insurer and plan level, so we’ll help you understand exactly what’s included in each option.
The cost of individual health insurance varies based on several factors, including your age, location, medical history, and the level of coverage you choose. Additional factors like adding an excess amount or selecting specific hospitals can also affect your premium. On average, basic plans start from around £20-£30 per month, while comprehensive coverage typically ranges from £40-£100+ per month.
Coverage for pre-existing conditions varies by insurer and policy type. Most standard policies exclude pre-existing conditions from the past five years, though some may cover them after a symptom-free period. Alternatively, some insurers offer ‘medical history disregarded’ policies that cover pre-existing conditions at a higher premium. We’ll help you navigate these options to find the best solution for your specific health history.
Yes, many individual health insurance plans allow you to choose from a network of private hospitals and specialists. Different policies offer various hospital lists, from local facilities to premium London hospitals. Some insurers also offer plans that include specific hospital groups or allow you to create a custom list. We’ll help you understand which facilities are available with each plan option.
One of the main benefits of individual health insurance is rapid access to treatment. Once your GP refers you to a specialist, you can typically book a consultation within days rather than weeks or months on the NHS. Following diagnosis, treatment can often be arranged within 1-2 weeks, depending on the procedure and your availability. This quick access can be particularly valuable for conditions that affect your quality of life.