Living in the UK it can be hard to decide whether health insurance is a necessity or not. Let’s look at your options below.

Is health insurance necessary?

If you need medical treatment in the future, and you want private healthcare, you’ll need to have health insurance.

When you have insurance, you’ll be able to cover the cost of private treatment for injuries, illnesses, and other medical conditions. You may need private treatment because:

The treatment you want isn’t covered by the NHS

You don’t want to have to put yourself on an NHS waiting list

You prefer the additional comforts that private hospitals provide

Is private treatment worth the expense?

If you’re satisfied with the treatment you receive through the NHS, then it’s likely that private treatment isn’t worth pursuing.

However, if you do want to enjoy the benefits of private treatment, the simplest way to cover these costs is to obtain health insurance. Visit for tips on getting the best insurance for you.

Every private health consultant or hospital determines their own rates. It’s possible to pay for this treatment out of your own pocket. However, when you have health insurance, you have the option of paying a premium each month instead. If you need treatment that’s covered under your health insurance policy, it will be taken care of.

It’s often easier to budget for these costs when you’re paying a reasonable amount each month for your policy.

Still, health insurance isn’t worth obtaining unless your policy provides coverage for the type of treatment that you need.

What are your options?

If you’re simply looking for coverage for yourself, an individual policy is your best option. These policies only provide coverage for one person, who is named on the policy.

A joint policy covers two people. It’s common for people to share a joint policy with their partner. In most cases, a joint policy is less costly than paying for two individual policies. With that said, it’s smart to compare costs so that you can see what the cheapest options actually are.

If you want insurance coverage for your entire family, you’ll want to look at family policies. These policies cover all members of your family under a single monthly premium.

If you are looking for coverage for your children, children’s policies are another option. It’s possible to purchase an individual policy that covers your child or to add coverage for your children to your own policy.

You’ll also want to determine whether you want a fully underwritten policy or a policy with moratorium underwriting.

Typically, a policy with full underwriting provides a larger payout, but that comes with a higher price tag. These policies can also take more time to apply for.

A moratorium policy is quicker to apply for, and it’s likely to cost less. Even if you have pre-existing health conditions, it’s likely that you’ll be accepted. Unfortunately, these policies are less likely to provide a full payout or may provide a smaller payout than a fully underwritten policy.

If you do opt for a policy with full underwriting, you’ll have to provide your complete medical history.

When you apply, you’ll be asked to fill out a declaration. You may have to provide a letter from your doctor to verify the details that you’ve provided.

If you opt for a policy that has moratorium underwriting, providing your medical history won’t be necessary.

However, pre-existing conditions won’t be covered. Typically, a pre-existing condition is defined as a health issue you have experienced over the last five years.

How you can obtain health insurance?

Many types of treatments are covered under a comprehensive policy. However, you should keep in mind that these policies won’t necessarily provide a great value.

You can reduce your costs if you select the cheapest policy available that still provides coverage for the types of treatments you believe you’ll need.

There are “pick and mix” policies that will give you the opportunity to select the type of coverage you need. The price will be determined by the options you’ve selected. This might be the most affordable way for you to get the appropriate level of coverage.

With one of these policies, you could specify that you want to cover physiotherapy, hospital visits, and diagnoses. However, you could avoid paying for treatments you don’t need, such as homoeopathic treatments or dental care.

How to select the right policy


The types of injuries and illnesses you want to have covered under your policy, such as cancer treatment

The types of treatment you want to have coverage for, such as hospital stays or dental care

Once you know what you’re looking for, you can take advantage of our health insurance comparison tool. This will allow you to look at numerous providers so that you can see what their policies cover.

You could also work with a broker to receive quotes for health insurance. You can do this over the phone or by providing details online.

Once you’ve done this, you can contrast the quotes and find your best options if you check:

The coverage provided

The premium cost, which is typically monthly

What you’ll have to pay if you make a claim

The limits on the amount or frequency of claims

How long you will have to wait before you can make a claim

Look at some of your other options

Rather than pay for health insurance, you have the options like:

Getting free treatment via the NHS, which provides coverage for most illnesses and injuries

Signing up for a monthly healthcare cash plan. These plans allow you to make a claim for the costs of certain types of medical treatment after the bill has been paid.

You could also look into critical illness cover. This isn’t specifically designed to pay for medical care, but it is a kind of insurance that provides a payout if you develop one of the conditions covered under the policy.

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