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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 expert private 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 expert private 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 you an indication of the treatments private health insurance is used for, the greatest number of claims received in 2017 were as follows:

1. Musculoskeletal problems (eg, back or neck pain)
2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
4. Cancer
5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)

About HealthWindow

Health Window provides an easy way to compare the UK's leading health insurance quotes and to help you find the best value health insurance cover for your circumstances. The quotes provided are based on the information you submit to us.

Our service is free to use without any obligation to accept the quotes that you receive.

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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).

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 for the purpose of providing health insurance quotes, and 3) the insurance broker may contact you for further information as required. We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an appropriately authorised insurance broker who works with a limited number of providers. Certain products might also be exclusive to selected providers and intermediaries. We are happy to introduce you to an alternative agent upon request. We aim for accuracy and up-to-date information on our website, but errors and omissions may happen. Therefore, please refrain from considering this information as an absolute statement or representation of fact. Health Window is not an insurance company. We offer a free service, connecting you with an appropriately authorised firm who undertakes the Regulated Activity of Insurance Broking (as specified by the FCA) for comparing providers and obtaining a FREE no-obligation quote. We’re passionate about helping you get the best deal. Find out more about our compensation notice and money back in your pocket promise.

Premiums may vary depending on each individual’s circumstances.

* £22.42 per month (~ £5.17 per week) based on a 34-year-old, non-smoker, living in Berwick-upon-Tweed (Northumberland), taking out a Treatment Cover plan with a £100 excess on their first claim each year. £37.42 per month (~ £8.64 per week) based on a 50-year-old, non-smoker, living in Berwick-upon-Tweed (Northumberland), taking out a Treatment Cover plan with a £100 excess on their first claim each year. Both plans include limited cancer cover. Treatment Cover with £50,000 limit per policy year. Offered in WPA’s current promotion - prices will vary depending on individual circumstances, other exclusions apply and other plans are available. Analysis based on April 2024.

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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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