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Private Health Insurance – Core Cover

With Business Health Insurance Core Cover, you and your employees can gain access to a phenomenal range of benefits.

Our plans are tailored for small to medium businesses and provide the highest standards of care possible. Along with cutting-edge treatments, GP video consultations and our 24/7 GP helpline; we can offer access to personalised support and consultants for a wide range of physical and psychological conditions.

Our Core Cover plans go the extra mile when it comes to your employee’s health. Healthy employees lead to healthy work environments and many health insurance providers will offer additional benefits to help support your employee’s well-being.

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60-Second Summary – Private Health Insurance – Core Cover

Business Health Insurance Core Cover offers a wide range of benefits tailored for small to medium-sized businesses, including cutting-edge treatments, GP video consultations, and a 24/7 GP helpline.

  • Core Cover plans prioritise employee health, offering additional benefits to improve employee well-being through health and reward partners.
  • Core Cover benefits include coverage for outpatient and inpatient treatments, diagnostic tests, and cancer cover, with options for extended cancer cover for additional therapies.
  • Additional benefits include access to a private GP service via virtual GP apps, childbirth cash benefit, support for pregnancy complications, oral surgery, lifestyle surgery, and rehabilitation.

With Core Cover, you and your employees can gain access to a phenomenal range of benefits. Our plans are tailored for small to medium businesses and provide the highest standards of care possible.

In the UK, employee health insurance offers private medical coverage which is offered as a benefit of your employment.

This cover grants employees access to private medical facilities and faster diagnosis and treatment for acute conditions compared to NHS waiting times. Depending on the specific plan, employee health insurance can include various services including consultations, diagnostic tests, surgeries, and therapies. Additional benefits often include access to specialised healthcare professionals, both outpatient and inpatient care options, mental health support, and wellness initiatives.

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Benefits listed are per insured member and per plan year. Any treatment under your plan must take place at one of our eligible hospitals. For a full list of benefits as well as terms and conditions contact one our top rated advisors.


In-patient or day-patient treatment

Below are examples of benefits that are included within the core cover of many UK health insurance policies.

Consultant fees This includes the costs of surgeons, anaesthetists, and follow-up consultations.
Hospital fees Costs of overnight stays, nursing and medication required while in hospital as well as intensive care and operating theatre charges.
Diagnostic tests Costs of any diagnostic tests needed whilst admitted to hospital such as blood tests, X-rays and MRI, PET and CT scans.

Outpatient cover will usually need to be added on, as most insurers don’t include oupatient cover as standard.

Cancer Cover

Cancer cover is a popular benefit that is offered as standard by a range of top UK health insurance providers. Cancer cover benefits can help you to cover the cost of private cancer treatments.

Health insurance cancer benefits can help with the costs of treatments and support services such as:

  • Diagnostic tests
  • Radiotherapy
  • Chemotherapy
  • Follow up consultations
  • Cancer surgeries
  • Reconstructive surgeries
  • Additional benefits (e.g. wigs, prosthetics, end of life care)

For an additional cost, certain policies can provide Extended Cancer Cover which will offer cover for things like additional therapies (biological and hormone or biophosphonate).

There are extra benefits that most UK health insurance providers will offer to their customers. One of the most common benefits offered by health insurance providers is an online health support app. These apps can be downloaded on an Apple or Android phone to access our private GP services and additional health support.

Other benefits that are often offered include:

  • Childbirth cash benefit
  • Support for pregnancy complications
  • Oral Surgery
  • NHS hospital cash benefit
  • Home nursing
  • Parent accommodation
  • Oral Surgery
  • Lifestyle surgery
  • Talking therapies
  • Rehabilitation

Note: Some of these benefits may need to be added for an extra cost, depending on the insurance provider that you choose.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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https://www.iaminsured.co.uk » guides

Best Private Health Insurance 2023 - iam|INSURED

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Our Mission

At iaminsured.co.uk, we believe in much more than just insurance policies; we believe that everyone is unique and should be treated with the fairness that they deserve. We also believe in providing the very best financial protection, and giving you peace of mind to continue with your busy life without the stress or worry of what might happen.

We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

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With nearly three decades of expertise and established with a commitment to excellence in everything that we do. We have been a trusted partner for thousands of families, individuals and businesses, all with one common goal of looking for the best protection solutions.

Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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