Private Health Insurance

Your and your loved ones can enjoy more flexibility and a wider range of options in medical treatment with private health insurance. Your health is one of your most valuable assets, and maintaining your physical well being is a top priority. Private health insurance benefits give you and your family access to private medical treatment that's fast, personalised and comprehensive.

Your choice of a private health insurance policy is a personal one, based on your medical history and the services you seek. Whether you're searching for a tailored policy that gives you access to a wide range of practitioners and treatment options, or you simply wish to supplement National Health Service treatment in specific areas, you'll find a policy that matches your requirements and your budget. Compare quotes from several of the top private health insurance providers to find the package that's best suited to your needs.

Prompt and Personal Treatment

When you and your family need medical care for an illness or injury, lengthy wait times for doctor visits and diagnostic exams can delay your recovery. Access to private health services ensures that you'll receive the prompt attention you need, so that you can return to work or school. With most private health insurance policies, you can see a practitioner quite quickly after receiving a referral from your GP and contacting your insurance provider for authorisation.

Private health benefits allow you to enjoy faster, more personalised attention without waiting in a long queue. Private facilities are generally well appointed and less crowded than publicly funded facilities. Once you've been seen by a practitioner, you can have any diagnostic tests or therapies scheduled more quickly. Your insurance benefits can give you greater flexibility in the doctors you see and the treatment options you choose.

Prompt, personalised medical care was once thought to be reserved for the wealthy. These days, the growing demand for private medical insurance has placed affordable coverage within reach of most individuals and families. Employers have come to recognise the advantages of offering private health insurance as a benefit of employment. Private health care can reduce minor absences, boost employee morale and improve the overall well being of your work force.

Company private health insurance policies can cover a company of 3 employees or 3,000 employees. Businesses that make this investment in their employees' well being often find that productivity and retention increase. Specialised brokers are available to help larger companies and corporations negotiate coverage options for a large staff.

Options for Better Health

If you've ever been frustrated because you or your children couldn't see the doctor of your choice without waiting for long periods of time, or because you had to take extra time off work in order to wait in a long queue to have an X-ray or other diagnostic test, private health insurance may offer a solution. Insurance packages offer varying levels of flexibility, ranging from standard policies that address most of your basic medical needs, to comprehensive plans that give you access to a wide array of privately funded facilities, treatment options and practitioners.

Most standard insurance policies cover physicians' fees, diagnostic tests, minor procedures, chemotherapy and other cancer treatments, inpatient accommodation and hospital treatment. More extensive policies many include privately funded ambulances and hospital rooms, complementary medicine, psychiatric care and medical treatment abroad. Some insurance providers offer tailored policies composed of services and treatments that you've chosen based on your personal requirements and your family's needs.

If you prefer to have more flexibility and a greater selection of treatment options, but you don't want to pay high monthly premiums, consider a shared risk or shared responsibility plan. In exchange for a high excess or a shared percentage of treatment costs, you have access to more practitioners and services than many standard policies allow. By paying more out of pocket, you have a more extensive range of treatments and practitioners to choose from, without paying for services you don't require.

No two individuals have the same medical history or the same concerns. When you're choosing a policy, review the covered and excluded conditions and treatments carefully. The most valuable policy will match your treatment goals and give you access to the services that are more important to you. Many policies exclude preventative visits, emergency medicine, treatment for incurable conditions, routine pregnancy visits or vaccinations. Excluded conditions, tests or treatments are generally covered under NHS.

Private health insurance benefits can give you greater flexibility in managing your own medical care. When you're sourcing a policy for yourself and your family, look for a trusted insurer that gives you the access you need at premiums that won't stretch your budget. Take advantage of the convenient online features on our site to contact multiple providers for competitive quotes on the care that you and your family deserve.