Health Insurance (Private)
healthPrivate health insurance giving access to private hospitals, faster diagnosis, and treatment without NHS waiting lists. Available as individual, couple, or family plans.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£600 – £3,000per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Inpatient hospital treatment
- ✓Outpatient consultations and diagnostic tests
- ✓Cancer cover (diagnosis and treatment)
- ✓Mental health treatment
- ✓Physiotherapy
- ✓Optional: dental and optical
Key Exclusions
- ✕Pre-existing conditions (unless moratorium or full medical underwriting applied)
- ✕Pregnancy and maternity (check if included)
- ✕Cosmetic treatment
- ✕Experimental treatments
- ✕Chronic conditions managed long-term
How to Make a Claim
- 1
Get a GP referral (or open-referral policy allows direct specialist access)
- 2
Contact insurer pre-authorisation before appointment
- 3
Receive treatment at approved private facility
- 4
Insurer pays provider directly (or reimburse you)
Available In
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Get a Free QuoteFrequently Asked Questions
Is private health insurance worth it in the UK?
For elective procedures and specialist consultations, private health insurance can dramatically reduce waiting times from months to days. It is particularly valuable for mental health cover, physiotherapy, and cancer diagnosis speed.