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Health insurance

The National Health Service (NHS) is the cornerstone of the UK healthcare system, with the majority of services accessible free at the point of use. Yet, with pressures on the NHS to meet healthcare demands of an ageing population and with increasingly stretched resources, there is a role for health insurance to complement these services.

Health insurance is designed to work alongside, not to replace, all the services offered by the NHS and customers can continue to use the NHS. These pages outline some of the reasons you might choose private healthcare and how insurance can help you to access and fund this.

Health insurance can help you to take care of your everyday wellbeing, aids a speedy diagnosis and recovery through reduced waiting times, and helps to pay for some or all of the treatment that you need. There are different health insurance products to meet your needs, with a number of market providers to choose from.

This website aims to help you understand more about what your health insurance options are, why people buy it and how it works, so that you can make an informed choice when you buy a policy. In this guide, we outline the two main forms that private health insurance can take, Private Medical Insurance and Cash Plans.

Before choosing health insurance you should:

  • Consider your health requirements

  • Compare the benefits provided by each insurer

  • Compare the costs covered

In these pages and in our guide to health insurance, we outline the two main forms that private health insurance can take, Private Medical Insurance and Cash Plans.