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Medical & Health Insurance
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Compare Quotes from all the major medical insurance companies
Advice from independent medical insurance advisers
A totally professional service.
Compare Medical Insurance Quotes
Your family’s health is paramount. The problem is you can never be sure you’ll get the best or quickest treatment from the NHS. That’s why for many, "going private" is the only option. That’s where medical Insurance clicks in.
There are hundreds of different Health Insurance policies each with varying levels of cover and optional extras. So it’s meaningless to compare quotations for Medical Insurance purely on price alone.
That’s why you need a medical insurance expert to highlight the differences, discuss the options and recommend a policy that’ll precisely meet your requirements. The expert could save you lots of money and will make certain you get exactly the policy you and your family need.
For independent, quality advice, click for a quote now. We’ll then ask you to provide a few details and a totally independent medical insurance adviser will call you on the phone very soon. Expert advice is assured and low premiums are certain. (pet insurance)
Naturally, the service is absolutely free and there’s no obligation.
More details
about our Comparison Service
We work alongside Insurancewide in order to guarantee a truly professional service based on independent, expert advice.
Soon after you click to submit your details, an adviser will phone you from one of Insurancewide's panel of specialised medical brokers. Each adviser is dedicated to saving you money and will provide you with a fully professional service.
And their service is totally free and without obligation.
The Financial Services Authority has asked us to provide you with details of how we are regulated. If you wish to view our regulatory information, it’s called our “Disclosure Document” - Click here
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The central point to understand is that medical insurance is not designed to totally replace the services provided by the National Medical Service. Medical insurance works alongside the National Medical Service by covering you just for the treatment of “acute medical problems”. In the United Kingdom, no medical insurance policy covers you for accident and emergency circumstances – these are solely the NHS’s responsibility. (loans)
In the context of medical insurance, an “acute medical problem” means any illness, disease, or injury that is expected to react quickly to treatment, the treatment being aimed at full recovery (or the restoration of the patient to the health they were in just before the acute condition started). Therefore your medical insurance will not cover some illnesses and treatments This situation is common to all medical insurance cover but the precise details do vary between policies. The following table provides further general information but to be sure of your situation, always check your policy summary – it’s known as the “Key Facts”. Your Medical Insurance Adviser provide it.
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| Services provided by your own Doctor | Consultations with Medical Specialists. Out-patient treatments. |
In-patient testing |
| Accident and Emergency admissions & treatments | Cost of medical treatments received whilst you are outside the UK | Surgery as either a day patient or in-patient |
| Treatment for illnesses and conditions you suffered from prior to buying your medical insurance. | Out-patient diagnostic tests | Treatments for short term “acute” conditions |
| Treatment for long term illnesses which cannot be cured. These are called “chronic” illnesses. | Some insurance policies will make payments to you if you are treated by the NHS rather than claiming on your insurance policy. | Hospital accommodation & Nursing. |
| In addition to those “Not usually included” the following conditions and treatments will not be normally be covered by your medical insurance: Self inflicted injuries, drug abuse, HIV/AIDS, out patient dressings and drugs, infertility, normal pregnancy, cosmetic surgery, gender realignment (sex changes!), preventative treatments, experimental treatments and drugs, kidney dialysis, organ transplants, mobility aids, war injuries and injuries resulting from dangerous pursuits. For full details, please check your policy summary or “Key Facts” which the medical Insurance Adviser will send to you. |
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The following information will help you decide whether private medical insurance is right for you and if it is, how you can save on the cost.
Private does not totally replace the NHS. Private medical insurance is not there to replace all the services offered by the NHS, for example most private hospitals have no accident and emergency facilities. The NHS provides full medical treatment for everyone, regardless of whether they could pay or not.
Does your employer offer private medical insurance? You should always check with your employer to see if you are already covered by a company private medical scheme. If you are, make sure that you check that the levels of cover are enough for you and your family's needs.
Do you need private medical insurance cover? Depending on your own individual circumstances, you need to consider what the risks are. For example, is the cost of private medical insurance worth the peace of mind of knowing that you will get treatment much quicker than waiting on the NHS? If you were off work waiting to be treated on the NHS, how much would it cost you? What about if you are a keen sportsperson, who would not want to be unable to play sport whilst waiting on an NHS waiting list?
Will your savings cover you? It is worth considering whether you have enough savings to cover your loss of income if you were not able to work. The general rule is that you should have at least 6 month's salary saved up in an emergency fund. You can ‘pay as you go' for private medical treatment, but it is likely to be very expensive e.g. a hip replacement would cost you around £10,000. If you are concerned about your loss of income by being unable to work, then it is also worth thinking about income protection insurance.
Do you only need cover when abroad? If you are mainly concerned about cover for any illness or injury when you are abroad, then some health insurance plans will cover you. If they are too expensive for your pocket, get a really good travel insurance policy. (health insurance)
Choose the right cover. There are lots of providers of private medical insurance schemes. These range from low cost private medical schemes which offer limited cover, to those which offer a wide selection of cover. There are a couple of key questions to ask yourself when deciding which private medical insurance scheme is right for you:
Do you want your cover to include seeing a specialist as an out-patient?
Do you want to be able to choose your hospital, or would you be happy if your treatment was in any hospital from a limited range chosen by the private medical insurance company?
Other ways to reduce your premium. In order to reduce the cost, consider:
Paying an excess
Not receiving treatment at a specified hospital
Accepting treatment under the NHS if NHS treatment is available within 6 to 12 weeks
Paying for part of your treatment
Selecting a different grade of hospital accommodation.
Read the small print.Always read the small print and make sure that your private medical insurance policy covers you for what you actually need. For example, treatment with a specialist, out-patient diagnostic tests and appointments, overseas cover and cash payment for treatment as an NHS patient are not always included.
Make sure you know what cover is not included. Make sure you know exactly what cover you are paying for as there will be a number of illnesses and treatment that are not included. The most common “exclusions” are listed in the table shown higher up this web site.
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