Private health insurance
Faster answers when your health can't wait
See a specialist in days, not months. Choose the cover that fits your life, and get 24/7 access to a GP by phone or video from day one.
What we offer
Care for every part of life
Health insurance
Cover for diagnosis and treatment of new conditions, with cancer care included as standard.
Explore cover →Dental
Pay-as-you-go appointments or a monthly plan covering check-ups, hygienist visits and treatment.
See dental plans →Health checks
From a 45-minute essentials check to an in-depth assessment with a doctor and full blood panel.
Compare checks →Care homes
Residential, nursing and dementia care in homes rated Good or Outstanding by the CQC.
Find a home →How cover works
From symptom to treatment
See a GP
Book our 24/7 digital GP or see your NHS GP and get a referral.
Tell us
Start a claim online or call us. We confirm what's covered, often the same day.
Choose a specialist
Pick from our recommended consultants and hospitals near you.
We settle the bill
We pay the hospital directly. You only pay any excess you chose.
Included with every policy
- Unlimited 24/7 digital GP appointments
- Mental health support line, no referral needed
- Full cancer cover, including advanced drugs
- Physio by video or in person
- Nurse advice line for any health question
Talk to us
Prefer to speak to someone?
Our UK-based advisers can explain your options, from moratorium underwriting to full medical history, and help you build cover around your budget.
Mon–Fri 8am–8pm, Sat 9am–5pm. Calls may be recorded.
Questions
Common questions
Do you cover pre-existing conditions?
Most policies exclude conditions you've had symptoms of, or treatment for, in the five years before joining. With moratorium underwriting, a condition can become eligible after two clear years on cover.
What is an excess?
It's the amount you pay towards a claim before we pay the rest. A higher excess lowers your monthly premium. You pay it once per person per policy year.
Can I add my family?
Yes. You can add a partner and children to one policy. Children under 18 can often be added at a reduced rate.
Can I cancel?
You have 14 days after joining to cancel for a full refund, as long as you haven't made a claim.