We work with all major private healthcare providers in the UK and also with a variety of international insurers. Below is a list of the providers we work with most frequently. Circle Health Group offers private healthcare at more than 50 hospitals and clinics across Scotland, England and Wales. Whether it’s overnight care, outpatient treatment, diagnostic tests, scans or aftercare, you get the specialist private treatment you need, in comfortable surroundings, when you need it. The Association of British Insurers represents over 200 insurance companies.

  • 24/7 for immediate emotional support and signposting in dealing with conditions like anxiety, depression, bereavement or relationship problems.
  • It is also common for people to have health insurance, whether personal or corporate, but not use it.
  • Also, some of the terms we use in health insurance can sound like another language, so we’ve put togethera glossary.
  • That can mean that long-term illnesses fall outside of your cover.
  • We’re a mutual, not-for-profit private healthcare provider focusing on the needs of our 820,000+ members.

Agreeing an excess when you take out your plan is a good way to make your premiums cheaper. When you call us to make a claim we’ll tell you whether there’s an excess on your plan. Your policy will auto-renew at the renewal rate agreed, shared with you prior to renewal.

Discover Healthcare From Anywhere

We’ll give you peace of mind that you can get the help you need. £25 M&S gift card when you join and add an additional person to your membership at the same time. Get a £25 M&S gift card when you join and add another person to your membership at the same time. Membership will continue until such time as a member decides to cancel or until their membership contribution stops being paid. A member may cancel their membership at any time without incurring penalty charges.

Your treatment must be with one of our approved medical practitioners. You must also use one of our approved private hospitals. Which approved practitioner and private hospital you can use will depend on your level of cover – a cheaper plan may not provide all the treatment you require.

What Is Private Health Insurance?

If you wish to use a medical practitioner or hospital that is not approved by your level of cover you may incur additional costs. When life throws you an unexpected challenge, fast diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join. In general, private health insurance covers ‘acute’ conditions. That is; diseases, illnesses or injuries that are likely to respond quickly to treatment and return you to the state of health you enjoyed before the condition occurred. We answer some of the most frequently asked questions about private medical insurance, from what is covered by insurance policies, to whether your insurance premiums will go up if you make a claim.

Not all state healthcare is free within the EU and Switzerland and so you may have to pay for services that you would get for free on the NHS. If you need emergency treatment while you’re visiting another country and haven’t received your card, you can apply for a Provisional Replacement Certificate . We compare dental insurance policies and explain whether you could be better off with the NHS or a dental payment plan. Private insurance is an option for short term or visiting students who feel like they would like more medical support. We have nurses, counsellors, midwives and pharmacists ready to make sense of the ever-changing world of healthcare for our members. We hope you’re keeping well in these uncertain and often overwhelming times.