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UK health insurance — also called private medical insurance — pays towards the cost of eligible private treatment for new conditions that start after your policy begins. In practice that usually means quicker access to a consultant, diagnostic tests such as scans, and private in-patient or day-case treatment.

Policies are built from modules. A core plan typically covers in-patient and day-patient treatment, and you then choose whether to add out-patient consultations, mental health cover, therapies such as physiotherapy, and optional extras like dental and optical. Choosing a lower out-patient limit, a higher excess or a smaller hospital list reduces the premium.

Insurers underwrite medical history differently, and the wording that decides whether a claim is paid sits in the policy documents rather than the headline price. An FCA-authorised broker can compare the insurers on their panel, explain how moratorium and full medical underwriting would treat your history, and recommend a structure that keeps the cover you care about.

We do not give advice ourselves and we do not arrange policies. Our role is simply to make sure the right regulated firm receives your enquiry.

We record the details you submit, the consent you give and when you gave it, and we pass your enquiry to an FCA-authorised broker on our panel. We do not sell your data to unrelated third parties. You can ask us to delete your details at any time — see our Privacy Policy for how to do that and for your rights under UK GDPR.