Individual Private Health Insurance

Private Health Insurance provides you with peace of mind should you get ill. It can help you to find out what's wrong quickly and access fast treatment to set you on the road to recovery.

All this can then be done in the comfort of a private hospital facility at a time and location that suits you.

If you take out a policy on-line, our moratorium underwriting criteria will be applied. You don't need to complete a health questionnaire, but your cover will exclude any pre-existing disease, illness or injury (whether or not diagnosed), based on the information below:

We do not cover treatment of any pre-existing condition, or any related conditions, if you had:

• symptoms of
• medication for
• treatment for or
• advice about

that condition in the five years before your joining date. If you do not receive:

• medication for
• treatment for or
• advice about

that condition during a continuous two-year period after your join date, this exclusion will not apply.

If you have a policy with another provider at the moment or would like to discuss underwriting terms in more detail, please contact our expert advisors on 0800 42 42 42 who can discuss your needs.

You can receive fast private medical treatment at over 300 private hospitals around the UK including BMI, Nuffield, Ramsay and Spire hospitals.

We have a number of different hospital lists (see below) designed to match your budget and personal preferences. As well as choosing where you receive treatment, you can arrange it at a time that's most convenient to you.

• Standard hospital list
  Access to a nationwide list of hospitals. This list will automatically be included on your policy unless you choose an alternative hospital list.

• Trust Care Hospital List
  Enjoy the comfort of private facilities at NHS/Partnership hospitals. Save 25% on your premiums.

• Extended Hospital List
  Access to more exclusive hospitals in Central London, in addition to our standard hospital list. This option will increase your premium by 30%.

• Signature Hospital List
  Access to a selected number of hospitals available to policy holders living in Scotland and Northern Ireland only. Save 43% on your premiums.

• Discounted Gym Memberships
  When you take out a private health insurance policy with us, you benefit from discounts of between 15% and 40% on membership at a nationwide network of top UK health clubs.

  Find out more about our discounted gym memberships

• Personal Health Manager
  Try our dedicated Personal Health Manager service which includes symptom assessment tools and online advice to help improve your personal well-being.

  Try a demo of our Personal Health Manager

• Stress Counselling and GP Helplines
  Stress is a major contributor to ill-health but finding time to make an appointment with someone isn't always easy. As a Health Solutions policyholder, you can talk to a qualified counsellor 24 hours a day, 7 days a week.

  For other health matters, you can contact our GP Helpline whenever suits you, for advice on more specific medical matters.

We understand that being ill is a worrying time so our claims service is designed to make things as simple and easy as possible.

We confirm the majority of claims over the phone, we settle bills directly with the hospitals and even have a specialist oncology claims department dealing with claims relating to cancer.

We also have a specialist Women's Health Unit that deal with claims unique to women. You will be allocated a personal female claims advisor that will deal with your claim from start to finish.