Private Health Insurance

Pays for private medical treatment, tests and surgery if you are ill or injured during the policy's term. It is usually designed for acute conditions, which are curable and short term.

You usually pay a monthly amount for your health insurance, which is called the premium. Your insurer can then pay if you need treatment that it covers while the policy is active.

You can pay your premium annually by Direct Debit, credit card or monthly by Direct Debit. 

If you are in a situation where in you have to make a claim, please contact the claims department as mentioned in your policy wordings. The contact details can be found in your policy wordings and our policy administrators will be help you through the claims process.   

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

It's important not to exaggerate your claim since this could lead to the whole claim being rejected.

You can cancel your policy by writing to or calling us or the insurer within the first 14 days from the policy start date (cooling-off period). If you do this you will receive a refund of the premium you have paid provided that no claims have been paid in that time. If you do not cancel within this time, your membership will continue so long as you continue to pay your premium.

After your cooling-off period:
1) If you pay monthly, you can cancel your plan from the next monthly payment date.
2) If you pay yearly, you can cancel your plan and receive a pro-rata refund based on the whole months remaining in the year. If you cancel during the year, we will not pay for any claim for treatment you were given after the date of cancellation.

Most private medical insurance policies won't provide cover for treatment outside the UK.

If you’re unsure if your policy covers international medical treatment, check your policy wordings or feel free to contact our customer service team, who are always happy to answer any questions you might have. 

Yes, you can make certain changes to your personal or policy details at any time. This might include changing the name, title or address of anyone on the policy; correcting any information shown on the policy schedule; or removing members from the policy. To tell us about any changes, call us or write to us.

Yes, you need to renew your policy every 12 months. We’ll send you a renewal invite around 30 days before your renewal date so you can check your details are correct and the cover still meets your needs. 

Yes, you can add other people to your policy if they’re part of your immediate family group. For example, this means you can add a spouse, a partner, or your children. 

No, there are no age limits to buying health insurance 

Yes, you can get dental cover depending on the options you choose when you apply. 

Pre-existing medical conditions are conditions that exist before the proposed start date of your plan.