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Active Senior Couple

Health Insurance

Healthcare you and your family need, when you need it

Call free on 0208 629 3467


  • Cancer cover and support every step of the way

  • Be your best with smart health and wellbeing tools

  • Get a quote in 5 minutes, stay covered year after year

What is health insurance?

When you’re climbing mountains, running around after the kids or lounging in front of the TV, you don’t think about what happens when pangs and pains could mean something more serious. And should that happen, you need the best care you can get.

That’s when health insurance steps in. It’s cover that pays your private healthcare costs if you need treatment for a short-term medical condition.

It could help you feel more in control of when, how and where you and your family are treated. It’s the quality care you need, without the wait, the worries and the wallet-emptying bills.

Renewal price guarantee


Take out a new health insurance policy with us, and we'll guarantee your premiums won't increase at first renewal if you hadn't made a claim that's reduced your no claim discount.

How does health insurance work? 

You choose the healthcare benefits you need and pay a premium. Then if you get a short-term illness or injury, and are referred by your GP, we’ll help you choose from a wide range of high-quality private facilities and hospitals.


If you make a claim, we’ll make sure it’s quick and hassle-free, so you can focus on getting better.

Do you need health insurance? 

Do you already have health insurance with us?


Private medical insurance could be for you if:

  • You don’t want to drag your feet on health matters – faster access to diagnosis, treatment and aftercare is important to you

  • You’d prefer continuity of care where possible

  • You’d like treatments that might not be available on the NHS

The benefits of our health insurance

Cancer cover and support

Extensive cancer cover and support at every stage of treatment.

Choosing where you're treated

Ask us to guide you to the most suitable hospital and specialist when you claim. Or decide up front on one of the ready-made hospital lists that make up our options.

Wellbeing services

Benefit from a range of wellbeing services to help you live your best life.

How much does health insurance cost?

It depends on things like your age and where you live and, if you’re switching to us, how many claims you’ve had. But you can control the features you have and don’t have, which can increase or decrease your premiums.

Boost your cover

Add to your basic cover with these options, at an additional cost:

  • Dental and optical cover for routine dental treatment and eye care expenses

  • Mental health treatment adding daypatient and inpatient care to your core outpatient cover for acute mental health conditions

  • Extended hospital list increase the number of hospitals you can use, mostly in the Greater London area. This is instead of our core route to treatment or the standard key hospital list

  • Other treatment and therapies such as GP-referred treatment to a physiotherapist, osteopath, chiropractor or acupuncturist

  • No claims discount protection pay a small sum to help keep future premiums down

Reduce your cover

Options to make your premiums more affordable:

  • Add the six-week option you’ll still be covered for private inpatient treatment and daypatient care if NHS treatment isn’t available within six weeks. We can’t offer this if you live in the Channel Islands or on the Isle of Man

  • Policy excess pay towards the cost of a claim – choose from £100, £200, £500, £1,000, £3,000 or £5,000 – no more than once per person, per policy year

  • Reduced hospital lists you can choose the Signature hospital list, which includes hospitals in Scotland and Northern Ireland only, or the Trust hospital list of the NHS Trust and Partnership private hospital units, if you live within the catchment area

  • Reduced outpatient cover you can choose to reduce your outpatient cover to a limit of £0, £500 or £1,000, as well as removing certain outpatient benefits These reduced limits don’t apply to cancer treatment

What does our health insurance cover?

Our insurance offers wide-ranging cover against illness, cancer, accidents and curable diseases

What's covered

Acute conditions

Our health insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment.

Access to 100s of hospitals

Whether you choose Expert Select or a hospital list, you’ll have access to a wide range of private hospitals and facilities. These include BMI, Nuffield, Spire and NHS private units.

Extensive cancer care

Cover for cancer diagnosis, treatment and aftercare as standard.

Hospital charges and specialist fees

Comprehensive outpatient cover, including diagnostic tests, consultations with a specialist, treatment with a specialist, radiotherapy and chemotherapy.

What's not covered

Chronic conditions

We don’t cover a disease, illness or injury that needs ongoing or long-term care, such as diabetes, arthritis, epilepsy and asthma. Please note that cancer is covered as standard.

Pre-existing conditions

If we look at your full medical history when you apply (full medical underwriting), we’ll usually exclude any conditions you had previously. If we don’t look at your full medical history when you apply (moratorium underwriting), when you make a claim, we’ll ask about any pre-existing conditions you had in the five years before you took out the policy. These conditions won't be covered unless you’ve been free from medication, treatment, diagnostic tests or advice for them for two continuous years after taking out this policy.

Pregnancy and childbirth

We don’t cover treatment for pregnancy and childbirth but we do cover related conditions that can also be experienced outside of pregnancy and childbirth, and the specific complications listed in the terms and conditions.

Your total wellbeing

The tools you need to make positive changes. Here's how our wellbeing services can be there for you.

Health Counts

An online health and wellbeing tool that helps you find out how healthy you are. It could also help save you money when it’s time to renew your policy.

Digital GP

Gives you access around the clock to five GP video consultations per member, per policy year, and repeat NHS prescriptions – at no extra cost

Get Active

We’ll help you get fit and stay healthy with savings on gym services, discounted lifestyle products and offers at over 3,000 nationwide health and fitness clubs. 

24-hour stress counselling helpline


If you’re stressed and want to talk to someone, experienced counsellors are available 24 hours a day, seven days a week (for members aged 16 or over)

Mental health support

Gives you access around the clock to five GP video consultations per member, per policy year, and repeat NHS prescriptions – at no extra cost

Cancer Care with Get Active

You can benefit from savings on products and services that can help make a small difference if you or someone close to you is living with cancer. The service provides you with discounted products and services that can help with the daily living adjustments a cancer diagnosis and treatment can bring.

Why choose us?

We’re proud our cover is 5 Star Rated by trusted industry expert.

It takes a name you can trust

Over 1 million people agree, and have health insurance with us

A doctor in your pocket

Medical help anytime, anywhere, with our Digital GP

Quality you can rely on

Our health insurance is rated 5 Star by industry experts

5 minutes and done

Get a quote, and your cover, in minutes. Stay protected for years.

What you need to get a health insurance quote

When you get a quote from us, we’ll ask for a few details, including:

  • Personal information – such as your name, date of birth and address

  • When you want your cover to start – today or a date in the future

  • If you want to add anyone else to the policy – if you include a partner or children, we’ll need to know their details too.What type of cover you want – customise your policy by choosing add-ons and your hospital option.

  • Any medical history – we’ll ask you to pick either moratorium underwriting or full medical underwriting, which deal with pre-existing medical conditions in different ways.

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Call us free 

0800 000 0000

Value: For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 and 0808 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. Our opening hours may be different depending on which team you need to speak to.

Or get us to call you

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