Medical Insurance in the UK

The case of private medical insurance in the UK is an interesting one, as any private medical provision will sit alongside the National Health Service (NHS). 


The NHS is premised upon the fact that you do not need insurance to be able to get the treatment you need, while private medical insurance will cover the cost of getting treated privately. There are many companies offering to give you a quote for medical insurance, although individual policies may differ substantially.


The attraction of taking out medical insurance in the UK is the degree of choice, control and personalised service private medical care can entail. We have set out some of the best providers in the product comparison table below; all you have to do to start getting medical insurance quotes is click on the links.

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 a number of key reasons that people normally give for wanting to take out medical insurance in the UK:

 

  • To have that feeling of taking control and the peace of mind that comes with knowing you and your family will be provided for in the event of an accident or illness
  • Medical insurance can insure that you are diagnosed  and get to  consultants quicker
  • To have the choice of private care in specific hospitals
  • To have access to the latest medical technology and treatment methods


There are a number of other important things to remember when considering different medical insurance policies.


Firstly, most policies will not cover long term illnesses or conditions. This is because the NHS receives much of its funding, and a large part of the reason it was set up, is to provide long term care. Medical insurance usually only deals with what are referred to as short term and ‘curable’ conditions.


Secondly, most medical insurance in the UK will come with a long list of exclusions and most will not cover you for any pre-existing conditions that you have suffered from before you purchase a policy.


These are some good things to remember when comparing different medical insurance quotes, as the devil is very often in the detail.