Private Health Care

What's good about private medical cover?

The main reason most people choose to go private is that they want to avoid NHS waiting lists. They also want to choose their specialist; have more flexible visiting times; a private room; and better quality meals.

What's bad about private medical cover?

It's very expensive, particularly if you want a good comprehensive policy, and premiums rise the older you get, although a few companies do not penalise you for getting older - so make sure you shop around.

Can you obtain private cover through your job?

Some jobs already provide employees with private medical insurance; others may offer it at a subsidised rate. This is well worth taking up and you may also be able to buy discounted cover for your partner and any children.

Do not expect cover for existing health problems

Insurance is there for the unknown. This means any existing health condition will be excluded. Some existing conditions may become insurable after a waiting period set by the insurer, provided the condition does not reoccur during this period.

Which insurer to choose?

Do not just pick a big-name insurer. There are smaller ones that offer very good service and cover. All insurance companies based in the UK and offering insurance are regulated, so you can buy with confidence.

Cash plans

A cash plan pays out a set amount if you need to go into hospital, also for other healthcare needs such as glasses. Paid by regular subscription, these plans have benefits and can top up your income, but they are not a substitute for insurance.