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Get Faster Access to Private Healthcare - With Rewards to Match

Health Insurance gives you access to private healthcare, which could help you get appointments and treatments more quickly. In return for a monthly or annual premium, your private health insurance pays for some or all of certain healthcare expenses.

Start a Quote
  • Skip the wait – Don’t join an NHS queue, get faster treatment.
  • Expertise - Be seen by top UK consultants within private hospital facilities.
  • Comfort - Enjoy private rooms and high-quality care.

To qualify, you must make six consecutive monthly payments. This offer is available to UK residents applying online after 3rd February 2025. You will be contacted within 45 days of your sixth payment to redeem your gift card.

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What Types of Health Insurance Can I Get?

Health insurance is not a one-size-fits-all option. Picking the right policy begins with knowing who you want to cover and what you need it for.

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Individual health insurance

Great for getting quicker access and more choice of specialists and hospitals.

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Joint health insurance

Covers both you and your partner on a single policy and can be cheaper than having two separate policies.

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Family health insurance

A central policy to protect your whole family, usually much cheaper than individual cover.

What Does Private Health Insurance Cover?

The cover you receive will depend on the type and level of cover you choose, and most insurance providers have flexible options to accommodate your health needs and budget.

Items typically covered are:

  • Inpatient care (diagnostic tests, surgery, any hospital stays)
  • Some outpatient services (follow-up scans, X-rays)
  • Physiotherapy and rehabilitation sessions

Comprehensive plans may cover:

  • Outpatient consultations, diagnostics, and treatments
  • Psychological and psychosocial support and therapy
  • Complementary treatments (e.g., osteopathy, chiropractic treatment)
  • Access to a private GP - in person or virtually

Exclusions from cover may include:

Pre-existing conditions

  • Routine pregnancy and childbirth
  • Chronic conditions (e.g., asthma, diabetes)
  • Treatment in an emergency, or A&E treatment
  • Treatment for cosmetic or elective surgery

What Extras can I add to my Private Health Insurance?

Supplements your cover with extras:

Dental care – Routine examinations, treatment and emergencies
Eye care – Examinations, glasses or contact lenses
Hearing care – Examinations and hearing aids
Extra physiotherapy – More sessions to help you recover
Complementary therapies – Acupuncture, osteopathy, chiropractic
Mental health cover – Outpatient consultations and therapies

How to Start Using Private Healthcare

  • Take it to your GP first. They can advise you on your options for treatment and help provide you with a referral.
  • Make sure to use approved consultants or treatment centres from your provider’s list, or request an open referral.
  • Some policies give you the option of using a private GP, diagnosis, referrals and prescriptions.

Claiming:

  1. Call your insurance company for assistance.
  2. Provide referral letters.
  3. The insurance company will assist you in finding approved consultants or treatment centres.

Are There Any Disadvantages to Private Healthcare?

Private health insurance can mean quicker appointments and more choices, but before you decide it is right for you, there are some negative aspects you should evaluate.

Higher costs

Premiums can be expensive, especially if you are older or choose a more comprehensive cover.

Pre-existing conditions

Excluded most of the time; however, adding pre-existing conditions can increase your premium.

Payment issues

If you do not make a payment, your plan can automatically cancel with no refund for the insurance you have had.

Excess fees

In most circumstances, you will pay an excess fee for each treatment.

Limited coverage

Chronic or incurable conditions, like some cancers, are generally excluded.

Cover limits

Many policies only pay out up to a certain amount per condition or a designated amount paid per year.

Treatment restrictions

In all circumstances, there are no drug, specialist, or procedure choices, and/or consultant choices are limited.

Hospital network limits

You may have to travel further to your preferred hospital if it is not on the list.

Emergency care

Most private insurances do not cover accidents and emergencies, so relying on the NHS is still necessary.

Benefits of Private Health Insurance

1. Reduced waiting times

Get faster access to consultants, tests and treatments

2. Specialist referrals

To see leading specialists sooner, and to obtain a diagnosis faster or to obtain a 2nd opinion.

3. Choice of surgeon & hospital

To be able to choose hospitals and consultants where allowed

4. Private room

Enjoy comfort, an ensuite bathroom and entertainment when you need it

5. Recovery & aftercare

Quicker access to physiotherapy and follow-ups

6. Specialist treatments

Services may include medications or procedures that cannot be obtained through the NHS.

Testimonials

What Our Customers Say?

"Clarity Compare made the entire process so easy! I found great car insurance in minutes and saved over £200 compared to my renewal quote."

Lucy H.

"I wasn’t sure where to start with life insurance, but their platform and expert advice gave me clarity and confidence. Highly recommended!"

Mark J.

"I loved how simple and quick it was to compare travel insurance. I found a perfect deal and felt fully covered for my trip."

Ayesha K.

"Their customer support is top-notch. I had questions about home insurance, and the team guided me without any pressure. Fantastic service!"

Tom R.

"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

Natalie W.

How to Reduce the Cost of Health Insurance?

1. Choose a higher excess

This would lower premiums if you could afford a higher excess.

2. Reduce outpatient cover

Lowers premiums, but you could end up paying more if you end up needing consultations.

3. Select a reduced hospital list

If you reduce the hospital list or the size of the network, it may reduce your premiums.

4. Six-week wait for the NHS option

You may only claim if the NHS cannot treat within six weeks.

Choosing the Right Policy-

1. Cover level

Comprehensive policies vs capped claims.

2. Choice of specialists

Check the hospital/consultant list.

3. Benefits and rewards

Gym membership discounts, wellness benefits.

4. Exclusions

Read the fine print about exclusions for outpatient, chronic, or elective matters.

5. Cost

Premiums go up with age and risk factors.

6. Waiting period

Some policies require a waiting period for claims.

Our Top Health Insurance

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Frequently Asked Questions

Do I have to assess my health cover every year?

Yes, as poor health needs come to our attention and, for good measure in comparing quotes, reviewing your health insurance annually can only serve to help you.

Most insurers accept applications up to 70-75 years; premiums go up with age.

You may sometimes achieve value by paying annually; monthly can sometimes be beneficial, though with flexibility and making budgeting easier.

It’s important to learn if this is limited insurance for private cover; private health insurance can provide supplementary cover should you ever need to use the NHS and avoid waiting times.

No, not usually for standard policies anyway. Although some comprehensive or high-value plans may ask for health questionnaires or examinations. 

Most insurance companies require a GP referral to access private treatment; however, a small handful of policies do allow a private consultant or GP to be accessed without a referral.