Why consider private health insurance?
Waiting lists for treatment can be long. Private health insurance offers faster access to healthcare, specialist treatments, and more choices, exactly when you need it most.
Speak to a Hug adviser
What Does It Cover?
Hospital stays
Surgery
Diagnostic tests
Consultant fees
Nursing care
Key benefits of private health insurance
With NHS waiting lists at an all-time high, accessing treatment quickly can transform your health and wellbeing.
Faster access to treatments
Greater choice of hospitals and specialists
Comfortable private rooms and facilities
What factors affect the price?
Several factors influence your premium:
- Age
- Location
- Cover level
- Health history
- Whether the cover is for yourself or your family
We’ll help you navigate the options and choose the best cover.
Important considerations
Keep in mind:
- Some treatments might not be covered.
- Pre-existing conditions could be excluded or increase your premiums.
- Most policies include an excess (the amount you contribute toward a claim).
Our advisers can help clarify these points and assist you in finding suitable coverage.
Get health insurance adviceFrequently asked questions (FAQs)
Does private health insurance cover pre-existing conditions?
Typically, pre-existing conditions are not covered or might increase premiums, but there are exceptions. Consult a Hug adviser for personalised information.
Typically, pre-existing conditions are not covered or might increase premiums, but there are exceptions. Consult a Hug adviser for personalised information.
Can I choose my hospital or specialist?
Yes, private health insurance typically offers more flexibility in choosing hospitals and specialists compared to NHS treatment.
Yes, private health insurance typically offers more flexibility in choosing hospitals and specialists compared to NHS treatment.
Are my family members covered under my policy?
Family members can usually be included. Discuss your family’s specific needs with a Hug adviser.
Family members can usually be included. Discuss your family’s specific needs with a Hug adviser.
How does the excess work?
An excess is an agreed-upon amount you pay toward each claim. Choosing a higher excess often lowers your premium.
An excess is an agreed-upon amount you pay toward each claim. Choosing a higher excess often lowers your premium.
What isn’t covered by private health insurance?
Common exclusions include chronic conditions, cosmetic procedures, and routine maternity care. For a full list, speak to a Hug adviser.
Common exclusions include chronic conditions, cosmetic procedures, and routine maternity care. For a full list, speak to a Hug adviser.