Health insurance explained
Clear answers on how private health insurance works, what it covers and how to choose a policy.
10 guides
How does excess work on health insurance?An excess is the amount you pay towards an eligible claim before your insurer pays the rest. Choosing a higher excess lowers your premium.
How to purchase private health insuranceYou can buy private health insurance directly from an insurer or through an intermediary. Most people get quotes, compare them and then apply.
Individual vs group health insurance: what is the difference?Individual health insurance is taken out by a person for themselves or their family. Group health insurance is taken out by a company.
What is international health insurance?International health insurance covers private healthcare for people living, studying or working abroad for a long period, usually a year or more.
International health insurance vs travel insuranceInternational health insurance covers healthcare for people living abroad long term. Travel insurance covers short trips and emergencies.
Is private health insurance worth it?Private health insurance can help you get private treatment for eligible new conditions, but it works alongside the NHS rather than replacing it.
Self-pay vs health insurance: what is the difference?With self-pay, you pay a private hospital directly for your treatment. With health insurance, your insurer pays for eligible treatment.
What does private health insurance cover?Private health insurance usually covers treatment for acute conditions that start after your policy begins. Cover varies by insurer and plan.
What is family health insurance?Family health insurance covers you, your partner and your children under one policy, for private treatment of eligible acute conditions.
What to look for when buying private health insuranceSeven things to check when buying private health insurance, from the level of cover and excess to underwriting, exclusions and your rights.
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