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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 priority 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.

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 need 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 take 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 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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Insurance details published on this site are for information purposes only and do not constitute financial advice nor financial promotions under the Financial Services and Markets Act 2000 or The (Financial Promotions) Order 2005. By Submitting the enquiry form you agree that: 1) The information you provide is true and accurate; 2) Health Window (a trading style of Magnetise Choices Ltd) may send the details of this enquiry to an appropriate FCA-regulated financial agent for the purpose of providing health insurance quotes, and 3) the agent may contact you for further information as required. Premiums may vary depending on each individual’s circumstances. Magnetise Choices Ltd, Company Number 71329, Les Echelons Court, Les Echelons, St Peter Port, Guernsey, GY1 1AR. Magnetise Choices Ltd is an Appointed Representative of Movo Partnership Ltd (Firm FCA Reference Number: 823503). We use cookies to personalise this site and to enhance your browsing experience - Privacy / Cookie Policy.

We make every effort to ensure you receive quotes from the whole of the market, though sometimes we may introduce you to an FCA-regulated financial agent who works with a limited number of providers. We are happy to introduce you to an alternative agent upon request. Furthermore, we take care to make sure that the information and material appearing on this website is accurate and up-to-date. However, errors and omissions may occur and you should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. Some products are only available from selected providers and intermediaries. Health Window is not an insurance company, but provides you with a free service that matches you to an FCA-regulated financial agent who will help you compare UK providers and provide you with a FREE no-obligation quote. Being independent means we work for you, not the insurer. We’re passionate about helping you search the market and get the best deal and by having an online service, there's no need to charge you for our service, so we don't! Find out more about our compensation notice and money back in your pocket promise.

* £20.49 per month (~ £5 per week) based on a 31-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. £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 your 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 January 2024.

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