What is Health Insurance?
It’s a type of cover that pays your private healthcare costs if you have a treatable condition.
Whether it’s overnight hospital care, out-patient treatment, diagnostic tests, scans or aftercare, you get specialist private treatment when you need it, if it’s covered by your policy.
With our cover, you can be reassured that you’ll get prompt access to the healthcare and expertise that’s right for you.
Cancer care cover
Cover for cancer diagnosis, treatment and aftercare as standard
Access to 100s of hospitals
Including BMI, Nuffield Health and Spire Healthcare
Aviva Digital GP
Around the clock access to GP video consultations
Do I need Health Insurance?
Even if you have access to free NHS care, you might want Private Health Insurance to feel more in control of when, how and where you’re treated.
This can mean faster specialist treatment than NHS waiting lists, allowing access to the hospital and consultant of your choice, and a private, en suite room.
You’ll be able to talk about your treatment with your consultant and ask them any questions.
Think of it as the care you need, in a comfortable environment, without the wait 1.
How does Health Insurance work?
You choose the features you need from our Healthier Solutions product and pay a premium.
Then, if you fall ill with a short-term illness or injury, and are referred for treatment by your GP, we can help you choose from hundreds of high-quality private facilities and hospitals.
Whichever features you choose, you’ll get extensive cover for cancer diagnosis, treatment and aftercare as standard.
And when you make a claim, we’ll make sure it’s quick and hassle-free, so you can concentrate on getting better.
Our awards and ratings
Don’t just take our word for it – here’s how our great customer service and quality cover have been recognised and rated by industry experts.




What’s covered with Health Insurance?
Our policy offers wide-ranging cover against illness, cancer, accidents and curable diseases.
- Acute conditions
Our Private Health Insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment (such as viruses or infections)
- Access to 100s of hospitals
Choose from a wide range of private UK hospitals and facilities, featuring the likes of BMI, Nuffield and Spire – you’ll also get access to NHS and Trust Partnership hospitals
Private UK hospitals list (PDF 472KB) - Cancer care cover
Cover for cancer diagnosis, treatment and aftercare as standard – read more about our cancer pledge - Hospital charges & specialist fees
Our Private Health Insurance provides comprehensive cover, from diagnostic tests, such as x-rays and scans, to specialists’ fees and aftercare
- Out-patient consultations and treatment
Enjoy comprehensive out-patient cover, including diagnostic tests, consultations with fee-approved specialists and specialist treatment – including radiotherapy and chemotherapy
- Chronic conditions
We cannot cover incurable long-term illnesses such as diabetes, arthritis, epilepsy and asthma – please note that cancer care is covered as standard
- Pre-existing conditions
We’re unable to cover any previous health condition you’ve had prior to applying for our cover
- Pregnancy and childbirth
We only cover treatment for complications during pregnancy and childbirth 2
How we deal with pre-existing conditions
When you apply for health cover, you can choose between moratorium and full medical underwriting. Not sure which to go for? We’ve got an article and video to help.
Total cover for you and your family
We can also cover your spouse, partner, civil partner and children. Here are just a few of the ways we'll take care of you.
24-hour stress counselling helpline
If you’re stressed and want to talk to someone, our experienced counsellors are available 24 hours a day, 7 days a week (if you’re aged 16 or over)
25% gym membership discount
You and your family can stay active with 25% off access to some of the UK’s leading health and fitness clubs
Couples pay less
You'll pay 9% less if you add your partner to your policy (compared to the combined price of taking out individual policies) 3
Add younger kids free
Add 2 or more children aged 19 or under to your policy and you’ll only pay for the eldest 3
MyHealthCounts
An online tool that helps you to understand how lifestyle choices affect your health. You can use it to manage your health and wellbeing, with the potential for a discount at your next renewal
How much does Health Insurance cost?
It depends on your circumstances and the features you choose, so consider what’s important to you. Enhancing your cover will increase what you pay, and opting out of features you don’t need, or paying an excess, will reduce your premiums.
Your age and where you live also affects what you pay, along with your claims history, if you’re switching from another provider.

Increase your cover
- Dental and optical
Cover for routine dental treatment and optical expenses
- Mental health treatment
Enhance your core out-patient cover with cover for treatment as an in-patient or day-patient if you’re diagnosed with an acute psychiatric condition
- Upgrade your hospital list
Upgrade to our Extended Hospital List – increasing the number of hospitals you're able to use
- Other treatment and therapies
Get cover for physiotherapist, osteopath, chiropractor and acupuncturist referrals if you suffer an accident such as whiplash or a sports injury
- No Claims Discount protection
Protect your No Claims Discount (NCD) for a small cost and help keep future premiums down

Reduce your cover
- 6-week option
Reduce your premium by choosing to use the NHS for certain services – you'll still be covered for private in-patient and day-patient care if NHS treatment isn't available within 6 weeks
- Policy excess
Reduce your premium by selecting an excess you'll pay towards the cost of any claim – choose from £100, £200, £500, £1,000, £3,000 or £5,000 a year 4 - Change your hospital list
Reducing how many hospitals you can choose from can help bring your insurance costs down
Free cover for your first month
Get our Health Insurance today and we’ll give you your first month’s cover free of charge +.
Want to move your Health Insurance to us?

Transferring from a company scheme?
If you're covered by a health policy in a job you're leaving, you could continue your cover with us 5.
Give us a call
0800 015 2470
Monday to Friday, 8am to 8pm ^

Get 2 months of free cover when you switch
Switch from your existing provider to our Private Health Insurance today and we'll give you 2 months of cover, absolutely free 6.
Give us a call
0800 068 8174
Monday to Friday, 8am to 8pm ^
Looking for different cover?
Take a look at our other products that can help you protect your health. There's no cash-in value at any time.
Cancer Essentials
Get a cash benefit upon diagnosis and money towards cancer drug costs.
Age: 18-69
Cover: £5,000 cash benefit
Payment: When we've received a letter from the GP and specialist
Physio Essentials
Flexible treatment options to recover from illness and injury.
Age: 18 or over
Cover: Face-to-face and virtual physiotherapy
Critical illness cover
Financial support for you and your children if you're diagnosed with 1 of the 53 conditions we cover.
Age: 18-64
Cover: Up to £1,000,000
Payment: If you become critically ill and live for 10 days after diagnosis
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Experience the physical and mental health benefits of rest.
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Need help? Ask our chatbot
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