Individual health insurance

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To avoid long NHS waiting times for appointments and treatments many individuals opt to take an individual health insurance policy. Individual health insurance offers additional peace of mind that should you become ill or injured you will be able to get care promptly and conveniently.

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Why take out individual health insurance?

Becoming ill is stressful enough without having to worry about lengthy NHS queues for treatment. Private medical insurance can give peace of mind to individuals that they won't have to wait for the procedures or care they might need as the cost of private treatment will be covered.

Different types of cover

Policies for individuals needn't be expensive, and you can choose the level of cover you require.
Some plans only cover treatment while you are in hospital, while others will also provide outpatient help.  With most private medical insurance policies, individuals pay a monthly premium and the policy will then pay out, up to specified cover limits, for any treatment you might need.
There are also health cash plans. These will contribute towards your routine healthcare costs and work by paying out a cash sum whenever you visit a dentist or other medical practitioner, such as a chiropodist or optician, which you can spend on what you want.

What else you should know

Premiums on medical insurance policies tend to get higher the older you are.
Many policies charge an excess - the portion of any insurance policy you must pay yourself. For those looking for more comprehensive cover, but who still want to keep costs down, one option is to choose a medical insurance policy which offers a wider range of benefits but which enables you to select a higher excess.

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Guides

Health insurance guide

Health insurance provides medical care quickly and saves you facing NHS
queues or bureaucracy.

 

Health care cash plans

Health care cash plans are a great way to top up the services offered by the NHS, assisting with costs towards treatments that would otherwise not be covered.