Compare private health insurance
Who needs cover?
A health insurance specialist explains your options and gives you quotes.
Why go private
More choice, less waiting
Private treatment gives you more say over when, where and who treats you.
- Less waitingPlanned operations and scans start sooner.
- Your hospitalChoose from the hospitals on your policy.
- Your own roomRest in a private room during your stay.
Your cover
What’s covered, and what’s not
Private cover pays for new, short term illnesses and injuries that start after cover begins. It sits alongside the NHS, which stays free and is there for emergencies.
Covered
- Hospital staysYour treatment and room when you stay overnight.
- Day-patient treatmentTreatment in a hospital bed, home the same day.
- OperationsSurgery for conditions that start after cover begins.
- Consultant feesYour surgeon’s and anaesthetist’s fees.
- Tests and scansTests and scans while you’re in hospital.
- Nursing careNursing while you’re admitted.
Not covered
- Pre-existing conditionsProblems you had before cover began.
- Chronic conditionsOngoing care for long-term illness such as diabetes.
- A&E and emergenciesEmergency care stays with the NHS.
- Routine pregnancyPregnancy and childbirth care.
- Cosmetic treatmentAnything done purely to change how you look.
- Fertility treatmentTests and treatment for infertility.
Getting started
How it works
Three short steps. No health questions.
- Answer a few questions
Who needs cover and how to reach you.
- Talk through your options
A health insurance specialist phones or emails to explain your options.
- Choose what suits you
The specialist gives you quotes, and the choice is yours.
The price
What changes the price
Seven things set what you pay. You choose most of them.
Read the cost guide
- AgeCover costs more as you get older.
- PostcodeTreatment costs more in some parts of the UK.
- Level of coverMore benefits, higher cost.
- ExcessA higher excess lowers the cost.
- Hospital listA shorter list costs less.
- UnderwritingHow your past health is handled.
- Who’s coveredEach person adds to the cost.
Guides
Cover in plain words
Read about costs, cover and the choices that shape your policy.
What is private health insurance?
Private medical insurance pays towards eligible private treatment. It works alongside the NHS, with limits and exclusions.
- Is private health insurance worth it?Weigh up the value of private health insurance.
- Private health insurance cost in the UKSee what changes the cost of cover.
- What does private health insurance not cover?Know what your policy leaves out.
- Private health insurance pre-existing conditionsPre-existing conditions and your underwriting options.
- Outpatient cover private health insurance explainedCover for appointments and tests.
Questions
Your questions, answered
Do I pay ChoosePrivate?
No. You pay ChoosePrivate nothing, and the specialist pays PJG Financial Limited a fee.
Can I still use the NHS?
Yes. The NHS stays free and is still there for emergencies.
What happens after the form?
A health insurance specialist gets in touch by phone or email. They explain your options and give you any quotes.
Will conditions I already have be covered?
Most policies exclude them. The specialist explains how each type of underwriting treats them.
Who gives me the quotes?
The health insurance specialist gives you any quotes. If you take out cover, the insurer provides the policy.
Can I cover my family?
Yes. One policy can cover the whole household, children included.
Start with who needs cover
A few questions, then a health insurance specialist takes it from there.
Compare cover