Compare Private Health Insurance Quotes

In the UK, NHS provides free broad healthcare, but to access treatment and specialized services may involve waiting lists. Private medical insurance offers quick access to private GPs and consultants, covering treatment costs at private facilities, avoiding NHS queues. It also includes additional services like drugs, therapies, and specialist surgeries. In emergencies, seek immediate NHS care, but ongoing treatment costs may be covered by private insurance, depending on your policy.

Absolutely, you can still use the NHS even if you have health insurance. You have options: get free treatment through the NHS, use your policy to pay for private treatment, or mix both approaches.

Yes, your health can impact insurance costs. Some policies may cost more if you have existing conditions. Others may charge more only if you need to cover treatment for these conditions, or if they are not excluded. Smokers generally pay higher premiums for private health insurance.

Whether private health insurance is worth it depends on your circumstances and the policy you choose. While costs are a drawback, the benefits, such as quicker access to medical care, the ability to choose specialists and hospitals, and a broader range of treatments, make it a valuable investment for some people.

Yes, health insurance premiums can be deductible as a benefit-in-kind (BIK). For employees, if your expenses surpass 7.5% of your adjusted gross income (AGI), your health insurance premium becomes deductible along with other healthcare costs. If you're self-employed, you might qualify for a deduction even without surpassing the 7.5% threshold.

Certainly, you can include your children (biological, stepchild, adopted, or foster child) under the age limit of 26, residing with you for at least six months, as dependents on your insurance. Typically, you can also add your spouse to the plan. Additionally, you may sometimes include other dependents, like relatives earning less than $3,000 annually, provided you financially support them.

Absolutely, you can secure joint policy for health insurance for your partner or the entire family. This might be more cost-effective than obtaining separate policies for each person.

Generally, you need to be over 18 to get a policy for yourself. However, under-18s can often be added to a parent or guardian's policy. It's crucial to check beforehand rather than assuming. While some providers might have upper age limits, even if they don't, the cost tends to increase as you get older when taking out a policy.

Yes, most health insurance plans work on a yearly basis, with a set renewal date. If you anticipate needing different coverage next year, you can make changes before the policy expires. It's essential not to automatically renew; instead, carefully review all the details before making a decision.

Yes, your policy can cover cancer treatments, including chemotherapy, radiotherapy, and recovery. Comprehensive health insurance policies often include access to cancer-preventing drugs, along with coverage for chemotherapy and surgery. Note that some policies may have annual limits, such as up to £30,000 per policy member, while others may offer unlimited coverage based on the chosen level of cover.

Yes, you can usually purchase private health insurance even if you have a pre-existing condition. However, it's important to note that coverage for pre existing medical conditions typically applies to conditions that develop after taking out the policy. While some insurers may cover certain pre-existing conditions considered minor or unlikely to recur, coverage for flare-ups is unlikely. Insurers may be more willing to cover a pre-existing condition if you have been symptom-free for around five years, although this duration can vary.

You can have both private health insurance and a healthcare cash plan simultaneously, as they serve different purposes.
A healthcare cash plan involves paying a monthly fee to cover routine medical appointments, like eye tests or dental check-ups. Health insurance, on the other hand, typically covers treatment for conditions that develop after you obtain the coverage.
While health insurance is used for private treatment, a healthcare cash plan can be used alongside the NHS, covering expenses like prescriptions, eye tests, and dental appointments, depending on your location.

Inpatient Care
Inpatient care involves treatments that require an overnight stay in a hospital or clinic
Outpatient Care
Outpatient care includes treatments or tests that don't require hospital admission, such as minor diagnostic tests (e.g., x-rays) or physiotherapy sessions.

No, health insurance policies are designed to provide coverage within the UK.
If you require coverage for a short trip abroad, opt for a travel insurance policy with adequate medical care for accidents and emergencies.
For living, working abroad, or having a holiday home overseas, you might consider international health insurance. Some providers offer plans covering both home and abroad, but this could result in a higher monthly premium.