Health insurance for individuals
Individual health insurance is a practical way to take more control of your healthcare in the UK. If you’re worried about delays for tests, scans, or specialist appointments, private cover can help you move things along sooner, often with a wider choice of hospitals and appointment times. It’s there to support you when something isn’t right, so you can focus on getting answers and getting back to feeling like yourself.
What is individual health insurance?
Individual health insurance (often called private medical insurance) covers just one person under a single policy. It’s designed for your own healthcare needs and can usually be tailored around what matters most to you — such as the level of outpatient cover, your chosen excess, and which hospitals or consultants you’d like access to.
With an individual plan, everything is kept simple and personal: one policy, one set of benefits, and cover that fits your budget, without paying for protection you don’t need.
What does individual health insurance cover?
While exact benefits depend on your chosen insurer and policy level, most plans include:
Consultations with private specialists
Diagnostic tests and scans (like MRI, CT, X-ray)
Surgery and hospital stays
Cancer treatment and aftercare
Access to virtual GP appointments
Some policies also include:
Mental health support and counselling
Physiotherapy and complementary therapies
How much does individual health insurance cost?
The cost of cover varies due to your age, location, and level of benefits. There are a few ways you can lower your premium such as adding an excess, paying annually rather than monthly or limiting your hospital list.
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