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Medical Insurance Cover

Medical insurance cover…

A private medical insurance policy could help you to take control of your healthcare, by providing you with an alternative to NHS treatments.  Medical insurance is designed to cover the costs of the private medical treatments for ‘acute conditions’.

Insurance providers generally define these acute conditions as illnesses, diseases or injuries that will usually respond effectively to treatment, leaving your health restored to the state it was prior to the illness, disease or injury, or leading you to a full recovery.

The three main appeals of purchasing medical insurance are:

  • The access to readily available and efficient treatments should you fall ill or be injured during the term of your policy
  • The option to choose how you receive any medical treatments – from when and where these are carried out to which specialist will perform them
  • An increase in comfort and convenience whilst undergoing any medical treatments

We’ve picked out some of the best deals on medical insurance cover around and put them in the easy to use comparison table below.


Medical Insurance Quotes
ProviderOnline Quotes available?Special FeaturesGet Quotes
yesFast consultations – book a video consultation with a GP or specialist in minutes. Get dedicated cancer support - If you’re diagnosed with cancer, we’ll assign you a highly experienced Case Manager who’ll support you throughout your treatment and help you understand every step of the process.Get Quotes >
yesWith Comprehensive Cover No financial limits - so you'll have peace of mind that you won’t run out of funding for eligible treatment with the hospitals you’ve chosen as part of your policy and a fee assured consultant.Get Quotes >
yesSupportive care – with 24/7 telephone access to our nurses and counsellors through our medical helpline Health at Hand, we’re here for you no matter how late it is or however long it takes.Get Quotes >
yesRewards Programme Vitality Plus makes looking after your health more rewarding; the more you participate and improve your Vitality status the higher your discounts will be with Vitality reward partners, Eurostar, Mark Warner, Champneys and Cineworld.Get Quotes >

There are two main types of underwriting that insurance providers may use to provide you with a quote:

Full medical underwriting
This typically involves you providing information about your medical history. The insurer will sometimes also contact your doctor for information. 

Moratorium underwriting
You may not be obliged by your insurance provider to disclose information about your medical history. However, for such policies, the insurer will not cover for any conditions present in the last few years (usually five).  

There are many different insurance providers who offer quotes for medical insurance that would suit a range of budgets, depending on the level of cover.  As each policy is so different, it is important to be aware of which treatments and diagnoses that each medical insurance policy would and would not cover prior to making decisions about whether to purchase a product.

It is important to note that private medical insurance cover is not usually designed to extend to any long-term treatments for chronic conditions, or for pre-existing health complaints.