Affordable Private Medical Insurance

Rachel Swift June 2024

> The UK's Best Plans From £28 Per Month(1)

What does a Private Medical Insurance policy cover?

Private medical insurance will usually cover treatment for diseases, injuries, short-term and acute illnesses. The exact level of cover you get will depend on the policy that you buy. With basic medical insurance, the costs of in-patient tests and surgery plus day care surgery will also typically be included

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Can I avoid NHS waiting lists?

Private medical insurance gives you fast access to specialist medical care if you need it. By choosing a suitable policy your insurance will cover the costs of your medical treatments. The NHS is a fantastic organisation, but sadly due to covid and other difficulties waiting lists have grown(2). Private medical insurance is often chosen to avoid the inconvenience of waiting for NHS care

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Why do I need Private Medical Insurance if I'm healthy?

By getting a private medical insurance policy while you are healthy you can ensure a competitive price. If you wait until you are ill then you might not be able to get insured. Most insurance companies refuse to cover pre-existing illnesses that have occured in the 5 years before you apply for a policy. Protecting your future with medical insurance while you are fit can be a good strategy


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What type of illnesses do people claim for?

The treatments and operations medical insurance will cover can be wide ranging. Commonly, people tend to claim for conditions such as:

  • Heart problems
  • Cancer
  • Back pain
  • Neck pain
  • Eye and ear conditions
  • Digestive system illnesses

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