What does individual health insurance cover?
Generally, individual insurance covers you for acute health conditions, such as cancer treatment or a hip replacement. It can also include a quicker diagnosis of conditions and access to different treatments that aren’t currently available on the NHS.
There are different types of individual healthcare plans available. The policy cover differs depending on the insurance you take out:
- Basic - this covers you for any inpatient treatment you require and also covers the cost of your hospital stay
- Medium - these policies include everything the basic insurance covers plus some outpatient treatment too, including the cost of seeing specialists and consultants and the cost of follow up tests
- Comprehensive - comprehensive policies cover you for all the above as well as covering you for physiotherapy and mental health treatment
Depending on the insurance provider and what policy cover you take out, you may also be able to add on the following:
- Eyecare
- Dental care
- Homoeopathy
- Maternity and pregnancy care
- Mental health support
- Physiotherapy
What’s not covered with personal health insurance?
How much do personal health insurance cost?
The cost of individual health insurance is determined by a variety of factors including your age, where you live, your health status and what level of cover you take out. It tends to be cheaper the younger you are but it’s more costly if you live in the North West of England, South East of England or London. You’ll also find that it’s more expensive if you smoke and drink a lot of alcohol. Even if you’ve quit smoking but use a vaporiser, the premium can still be higher than someone that doesn’t smoke at all because most insurance providers base it on nicotine consumption rather than the number of cigarettes smoked. You could get cheaper health insurance by taking out a joint health insurance policy.
What are the pros and cons of individual health insurance?
Pros
Cons
Compare individual health insurance providers
Compare health insurance providers on Compare by Review today. We’re the first and only comparison site that ranks health insurance providers exclusively on customer experience and product quality rather than price. Our full table of providers will give you an impartial and unbiased overview so you can purchase health insurance from a high-quality provider that you can rely on when you need them most.
Review Score
Basic Cover Quote*
Comprehensive Cover Quote**
Comprehensive Cancer Cover***
Levels Of Cover Available****
Review Score
Basic Cover Quote*
Comprehensive Cover Quote**
Comprehensive Cancer Cover***
Levels Of Cover Available****
Review Score
Basic Cover Quote*
Comprehensive Cover Quote**
Comprehensive Cancer Cover***
Levels Of Cover Available****
**This shows how many different levels of cover you can choose from.
***This shows whether the provider includes cancer cover as standard on all health insurance policies.
****This shows how many different levels of cover you can choose from.