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Frequently Asked Questions


If I become sick, can I avoid waiting in NHS queues?

With a PMI policy in place, you'll have access to a wider range of expert medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the NHS does an amazing job, queues are inevitable for all but the most acute medical emergencies, and PMI policies are often taken to avoid those queues in the future, by being able to access a wider range of expert medical help.

What does a Private Medical Insurance policy cover?

Private health insurance plans are typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from private medical insurance depends upon the policy that you buy. Basic cover will usually pick up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants).

But I'm healthy, so why would I want Private Medical Insurance?

A PMI policy, like all insurance policies, is your protection against the future and not the present. There's no better time to consider taking PMI than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock in your good health.

Can I access treatments not available on the NHS?

In the UK, private healthcare is not subject to the same lengthy regulatory procedures as its public sector counterpart; so you may be able to obtain brand-new drugs, rehabilitation techniques and advanced therapeutic methods, before they become available to NHS patients. Some specialist drugs and treatments are considered too expensive for the NHS or may not have approval by NICE (England & Wales) or the SMC (Scotland).

Are there ways to reduce my Health Insurance cost?

Private health care costs vary between insurance providers but factors like your age, if you smoke, where you live (postcode) and the level of cover you choose will have an influence on your premium. In addition to comparing quotes, here are some ways to cut down the cost of your cover without having to make serious sacrifices:

1. You can choose to add a voluntary excess to your policy, i.e. an amount that you’ll have to contribute towards a claim. The excess amount can range from £0 to £1,000 and the higher your excess, the more you’ll contribute towards your healthcare costs and so the lower the premiums will be. Adding an excess of as little as £200 can cut premiums by as much as 10%.
2. You can choose to pay your premiums annually instead of monthly.
3. If you haven’t had to claim on your insurance for a certain length of time, then you could get a discount/no-claim bonus.
4. Insurers will rank each hospital and if you agree to exclude certain prestigious hospitals or the most expensive hospitals then this can help reduce your premiums.

Health Window is not an insurance company, but we provide you with a free service to compare multiple UK insurance providers quotes, helping you find the best value PMI deal and a policy that most closely matches your specific needs.

What are the top treatments claimed for?

To give an indication of the treatments commonly covered by private health insurance, the 2023 Private Healthcare Information Network (PHIN) report highlights the most common private procedures:

1. Musculoskeletal Problems (e.g., back, hip, knee, and neck pain)
2. Cancer (Oncology)
3. Digestive System Conditions (e.g., gastroenteritis, Crohn’s disease, irritable bowel syndrome)
4. Eye Conditions

Beyond these, other significant drivers of private healthcare demand include Heart & Circulatory Diseases, ENT (Ear, Nose & Throat) Treatments, Dental & Orthodontics, Gallbladder Removal, Dermatology, Mental Health Services, and Maternity & Fertility Treatments.

About Health Window

Health Window isn’t an insurance company. We’re a free service that connects you with FCA-authorised, whole-of-market brokers who can help you compare quotes from a wide range of health insurers.

Just complete our quick online form with a few details about yourself and your cover needs. You’ll then be introduced, via the Health Window platform, to an impartial broker who can provide tailored quotes and expert guidance.

Health Window does not provide insurance advice or arrange cover. All regulated services, including advice and setting up any policy, are provided directly by the broker.

Our service is completely free to use, with no obligation to accept any of the quotes you receive.

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© Copyright Health Window | All Rights Reserved

Health Window is a trading name of Magnetise Choices Ltd. Magnetise Choices Ltd is an Appointed Representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: 769876).

Health Window is a free service that connects you with FCA-authorised brokers who can help you compare quotes from a wide range of health insurers. We don’t give any advice or arrange insurance, all regulated services are provided by the brokers we refer you to. Find out more about our compensation notice and money back in your pocket promise.

Insurance details published on this site are for information purposes only and do not constitute financial advice.

By submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Health Window may at its sole discretion send the details of this enquiry to an appropriate authorised insurance broker to provide you with health insurance quotes, and 3) the insurance broker may contact you for further information as required. We aim to connect you with a whole-of-market broker. In limited circumstances, you may be referred to a broker who works with a smaller panel of providers, and some products may be exclusive to certain insurers or intermediaries.

Premiums may vary depending on each individual’s circumstances.

* £22.91/month (~ £5.29/week) for a 31-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £100 excess on first claim each year. £24.29/month (~ £5.61/week) for a 37-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £250 excess on first claim each year. £37.12/month (~ £8.57/week) for a 50-year-old non-smoker in Northumberland, taking out Treatment Cover plan with £250 excess on first claim each year. All plans include limited cancer cover. Treatment Cover with £50,000 limit per policy year. Pricing part of WPA’s current promotion - varies by individual circumstances; other exclusions and plans apply. Analysis based on March 2025.

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Magnetise Choices Ltd, Company Number 71329, with its registered address at Les Echelons Court, St Peter Port, Guernsey, GY1 1AR.

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