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Private Health Insurance – FAQ’s

Having private health insurance will provide you with fast access to high-quality private medical facilities and will include medical treatments when and where it suits you.

It also plays a very important role as it will help fund the costs of any early diagnosis and treatment for some acute conditions. This could range from physiotherapy sessions all the way to more complex procedures, like major heart surgery or biological therapy for the treatment of cancers.

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60-Second Summary – Private Health Insurance – FAQ’s

Private health insurance provides fast access to high-quality private medical facilities and covers treatments for acute conditions, ensuring timely medical care.

Our top rated health insurance specialists have written this guide to answer the UK’s key questions about private health insurance policies.

  • Private health insurance helps to fund early diagnosis and treatment for acute conditions, ranging from physiotherapy to complex procedures like major heart surgery or cancer treatment.
  • Private health insurance covers acute conditions that respond quickly to treatment, but not long-term or chronic conditions. Private health insurance also does not usually cover the cost of treatment for pre-existing conditions.
  • Private health insurance works alongside NHS services, offering faster access to treatment. Many UK consumers are now considering private health insurance as a complementary addition to their usual NHS care.
  • There are a wide range of options for private health insurance policies and providers that are available in the UK. If you are unsure about what will work best for you, you can get free advice from a private health insurance expert.

Private health insurance is there for you to cover the costs of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is most likely to respond quickly to treatment so someone can have either a full recovery or have the quality of health they had prior to the condition.

Private health insurance does not normally cover any treatment of long-term, or chronic conditions where the primary focus is to keep symptoms under control – these are still treated by the NHS. Private health insurance will also not cover any pre-existing conditions you may have when taking out a plan.

For the majority of claims, private health insurance medical treatment will begin with a GP referral for specialist treatment. This can be done by either your NHS GP or a private GP. After this, any treatment you need will be managed by working very closely with your private health insurer so they can make sure you are getting quick access to the correct medical treatments you need. There are many options for private health insurance companies in the UK, so you choose the one that feels right for you.

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Private health insurance was always designed to work with all the services offered by the NHS, not to replace them, by focusing on providing faster access to treatment for acute medical conditions.

Private health insurance members are still able to use all services offered by the NHS. But as there are many pressures on the NHS to meet healthcare demands, which grows rapidly and is compounded by increasingly stretched resources – private health insurance plays a complementary role. Many people do not wish to wait in long NHS waiting lists and view private healthcare as an easier alternative.

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iam|INSURED insurance partners simply offer better care, in the form of award-winning private health insurance. They also put a great focus on better health and living, which helps you stay healthy.

This combination of bringing the two together makes an integrated offer unique to iam|INSURED. As you benefit from better health, it enables us to share some of the insurance savings that emerge in the form of better product benefits and incentives – fuelling a virtuous cycle.

This is what you pay to be covered by a plan like private health insurance. You will normally pay for your insurance premium via monthly or annual direct debit. Your premium is reviewed after a year and changes depending on your age, your iam|INSURED status, if you make a claim and any medical inflation.

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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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Best Private Health Insurance 2023 - iam|INSURED

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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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