What is private health insurance?

Private health insurance is an insurance policy which covers the cost of private healthcare. It works in a similar way to any other insurance – you pay monthly or annual premiums, and your provider pays out for some or all of the cost of the private medical treatment you receive.

You can take out a single policy for yourself, or a joint policy to cover you and your partner. This can make things easier as you’ll only have one provider, one policy, and one point of contact to deal with.

What does private health insurance cover?

Private health insurance can help you pay for a number of healthcare-related costs, though the exact level of cover you’ll get will depend on the policy you take out:


A basic health insurance policy will usually pay for treatment and any related costs while you’re an inpatient at the hospital


A medium health insurance policy generally covers outpatient care as well as inpatient support


A comprehensive health insurance policy includes everything above as well as cover for extra surrounding treatment, such as mental health care and physiotherapy

We can also help you with:

Life Cover

Life insurance can be a great way to help protect your family financially,

Critical Illness Cover

Critical illness insurance, otherwise known as

Income Protection

Income protection insurance is a long-term insurance policy designed to help you

Family Income Benefit

Family income benefit is designed to pay a regular income if you die.

Building and Content

Home insurance protects you from insured events that damage your home or your belongings.

Private Health Insurance

Private Medical Insurance (PMI) is designed to cover the cost of private medical treatment

Relevant Life Cover

A Relevant Life Plan is a term assurance plan available to employers

Business loan protection

Business loan protection provides a lump sum for businesses

Key person protection

When a key person in a business dies it can have a devastating financial effect.

WILLs and Estate Planning

The vast majority of people put off making a Will for a variety of reasons,