Private health insurance explained
How private health insurance works in the UK
A clear guide to how private health cover works, what it can include, what affects the price and how to compare your options with confidence
Private health insurance helps you access eligible private medical treatment when you need it. The right policy depends on your age, budget, medical history, cover level and what matters most to you
What is private health insurance?
Private health insurance is cover that can help pay for eligible private healthcare, such as hospital treatment, tests, scans and specialist care depending on the policy you choose
It does not replace the NHS. You can still use NHS services whenever you need to. Private cover simply gives you another route for eligible treatment, often with more choice and faster access
How does it work?
You choose a policy based on the level of cover you want. If you later need eligible treatment, the insurer reviews your claim and, if approved, helps cover the cost based on your policy terms
What can private health insurance cover?
Cover varies by insurer and plan, but private health insurance can include things like in-patient treatment, day-patient treatment, outpatient tests, scans, cancer care, physiotherapy, mental health support and virtual GP access
Some benefits are included as standard, while others may be optional extras. That is why like-for-like comparison matters
What is usually not covered?
Private health insurance does not usually cover every health condition or every type of treatment. Pre-existing conditions, chronic conditions, cosmetic treatment and emergency care may be excluded or handled differently depending on the insurer
This is why it is important to understand the details before choosing a policy. A selected advisor can help explain what is included and what may not be covered
What affects the cost?
Your monthly price is shaped by personal details and policy choices. Age, location, cover level, excess, hospital list, optional extras and medical history can all affect what you pay
If you want a rough starting point, you can use our private health insurance cost calculator before comparing real options
How should you compare policies?
The best policy is not always the cheapest one. The right option is the one that fits your needs, budget and priorities without leaving out cover that matters to you
Compare the cover level, hospital access, excess, outpatient benefits, cancer care, mental health support and switching terms before making a decision
Want help comparing your options?
Just Go Check helps you compare private health insurance options with clear guidance, real quotes and no pressure
See my options →Common questions
Can I still use the NHS?
Is private health insurance worth it?
Can I switch if I already have cover?
Does private health insurance cover existing conditions?
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