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Private medical insurance costs and how to get covered?

Your questions answered.

There are three ways to get our health cover: You can buy health insurance online which is a totally secure process; you can call 0333 331 4211; or you can talk to an independent financial adviser.

To apply online is a three-step process: first, you need to give us your personal details; second, pick your level of cover; third, answer some basic questions about your medical history.

If you don’t have any pre-existing medical conditions, the only other thing you then need to do is set up a payment method and your cover can start.

If you do have a pre-existing condition, you’ll need to speak to our underwriting team on 0808 252 5548 and give them details. They’ll give you a quote based on the type and severity of your condition. Alternatively, you can choose our moratorium underwriting option, which won’t cover you for any conditions that have been pre-existing for the previous five years. That’s unless after your cover has started, you go for two continuous years without having any treatment, medication or advice for pre-existing conditions or any directly related conditions.

If you apply over the phone or through an independent financial adviser, the information you’ll need to provide will be similar to applying online.

No, the more people who are covered, the higher the premium we will charge. 
All our plans start with Core Cover. You have a few ways to control your costs: you can pick a higher plan excess or change your underwriting option. You can also save on your renewal premium by doing healthy things to raise your Vitality status.

Yes, your premium will go up each year based on your age and medical inflation. However our unique approach to working out your renewal premium means that if you claim, instead of losing your no-claims discount and facing a big jump in premiums, there’s a smaller rise based on your age, medical inflation and claim size. However, you can limit the increase by tracking your activity and increasing your Vitality status.

If you don’t claim, your premium only rises in line with age and medical inflation. Plus, you can still limit the rise by tracking your activity and increasing your Vitality status.

There are also other ways to keep your premiums lower with us: you can pick a higher plan excess or you can change your underwriting option.

If you make a claim, this may reduce the amount of cover available to you in the remainder of the plan year. If you renew your plan, your cover limits will go back to their full level at the beginning of the following plan year.

Making a claim may also affect your renewal premium for the following plan year.

Once you’ve set up a Direct Debit, you’ll be covered from your plan start date. We’ll send you a welcome pack that includes your certificate of insurance and details of how to register on the Member Zone, as well as how to start enjoying your rewards.
When your renewal date approaches, we’ll send you renewal documents. If you want to carry on with your cover, you don’t need to do anything.
Providing you tell us within 30 days of leaving your company, you may be able to keep an equivalent level of cover on an individual basis, as long as you’re aged 65 or under and were insured under your company plan for at least two continuous years.  This can include cover with a previous insurer if your company switched to us. Contact us to find out more.

You have 14 days from your plan start date or from when you receive your plan documents, whichever is later, to cancel your plan and receive a full refund of your premium (as long as you’ve not already made a claim).

If you cancel your plan before the end of the 12 month term the plan covers, we reserve the right to charge an administration fee of £40. Once your cover ends we won’t pay for any more treatment you have after that date even if: it’s a continuation of treatment that started while you were still covered by the plan; or if we authorised it before your plan ended, but the treatment is due to take place after your cover ends.

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Award-winning health insurance from £1.15 per day.

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Or ask for a call back and we’ll get in touch at a time to suit you.
Lines are open:
Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed


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