Private Health Insurance FAQs
Find clear, reassuring answers to common questions about private medical cover. Our team is here to help you navigate your options, keeping in mind that available cover varies significantly depending on the specific policy chosen.
What is private health insurance?
Private health insurance is designed to cover the costs of private medical treatment for acute conditions. It provides faster access to consultants and diagnostic tests, while offering more choice and comfortable facilities. Cover levels always depend on your specific policy.
What does it typically cover?
Policies typically cover inpatient treatment (stays in hospital), day-patient procedures, and sometimes outpatient care like consultations and physiotherapy. However, cover varies significantly by policy, and you should check your specific terms for details.
What is usually excluded?
Standard exclusions often include routine or preventative checks, pregnancy and childbirth, and chronic conditions that require long-term management. Pre-existing conditions may also be excluded depending on the underwriting chosen. Emergencies are generally handled through the NHS.
Can you help if I already have cover?
Yes, we can help you review your existing cover to see if there are more suitable or cost-effective options available. Over time, healthcare needs change, and switching cover could help ensure your policy remains aligned with your requirements.
Will I receive an instant price online?
The enquiry form sends your details to Covered Today and displays an acknowledgement. It does not display a calculated premium. Our team can follow up to discuss the information needed for your quote. Submitting an enquiry does not put insurance cover in place.
Do I have to proceed after receiving a quote?
Absolutely not. Our service provides free, no-obligation quotes. You are under no pressure to proceed and can take as much time as you need to review the options provided by our team.
How will Covered Today contact me?
Once you submit your enquiry, one of our expert advisers will contact you via the telephone number or email address you provided to discuss your requirements and provide your quote.
How is my information handled?
We take your privacy seriously. All data is handled securely in accordance with UK data protection regulations. For full details on how we protect your data, please see our Privacy Policy.
Does private health insurance replace the NHS?
No, private health insurance is designed to complement the NHS, not replace it. For example, emergencies and A&E care are almost always handled through the NHS. Private cover is primarily for elective, non-emergency treatments and consultations.