All Health Insurance
Aviva Health Insurance
Benefits of joining AVIVA: Up to 25% off gym membership at their network of gyms; Discounts on other Aviva products, including car insurance and life insurance; MyHealthCounts - an online health programme focused on helping you understand how your lifestyle choices can impact your health; Free cover for younger children when you take out cover for yourself and your eldest child under 20.
AXA -PPP Health Insurance
AXA's heart and cancer commitment offering extensive heart and cancer cover and care, including radiotherapy and chemotherapy. Enhanced family and children's cover, including free cover for newborns until next renewal (cover restrictions may apply). 24-hour phone access to health information and support from their nurses and counsellors (and their midwives and pharmacists during the day). In-patient and day-patient treatment at a network of over 250 hospitals. In-patient specialist, anaesthetists and hospital fees. Surgery as an out-patient.
Bupa Health Insurance
Affordable cover starting at $17.85per week. Avoid government loading and/or taxes. Up to 25% off movie vouchers. Gym membership discounts.
Do I need health insurance?
Health insurance is optional, though many people choose to purchase it so that they can take advantage of private health care if they fall ill or are injured.
Although the NHS provides a great service in the UK, waiting lists can be long and treatment for some conditions simply aren’t available. If you take out health insurance, it can pay for immediate private treatment of most medical conditions and injuries.
Private treatment may not be necessary if you are comfortable with the treatment offered and waiting times available on the NHS. However, if you’d prefer the extra comfort and convenience of a private hospital, health insurance is worth considering.
Although you can pay for private treatment directly when any issues arise, health insurance allows you to pay a monthly premium instead of facing a big bill. Your insurer will then pay out if you need any treatment – as long as it is covered by the policy. Before you take out health insurance, you should decide which illnesses, symptoms and injuries you want it to cover and which treatments need to be included.
Paying an agreed monthly premium to protect your health can be easier to manage than directly paying for unexpected health costs in one go as they arise. It allows you to get rapid treatment without worrying about whether or not you can foot the bill.
FAQs about health insurance
What is health insurance?
Health insurance can pay for private medical treatment if you are ill or injured. As some forms of treatment are not available on the NHS, it is a way to receive the best possible care if you suffer from an illness or injury that requires private medical attention.
How much does health insurance cost?
The cost of your health insurance depends on the premium and the excess. Some policies will charge more if you have existing health conditions.
Should I take out an individual policy or a joint policy?
An individual policy can only be taken out in your name and will only pay out for your treatment. If you take out a joint policy you can cover two people on the same policy – for example, you and your partner. A joint policy may work out cheaper than getting separate health insurance policies.
Will a health insurance policy cover my existing conditions?
Some policies will include cover for existing conditions but many won’t pay out for them.
Can I still get treatment on the NHS if I get health insurance?
Yes, if you have private health insurance you can still get free treatment on the NHS.
Do I need a medical check before being accepted for health insurance?
It’ depends on the policy you take out. Some make you fill out a declaration about your health, and others may want to run medical tests before providing cover.
Do I have to use certain hospitals or doctors under my health insurance policy?
Most insurance companies will refer you to specific medical facilities for treatment.
Will my health insurance cover me abroad?
Unfortunately, most health policies will only cover treatment in the UK, but you could take out medical cover from your travel insurance if you go abroad.