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General and Medical Healthcare

General & Medical Healthcare are highly‑rated by our many nationwide customers.

Lifestyle Benefits

Our Lifestyle Health Insurance cover isn’t just created with an individual in mind, you can look after the health of your whole family. As well as providing cover for any in-patient admissions, it also includes full cover for cancer and higher limits when compared to our Essentials and Everyday policies. With higher limits and a wider range of benefits, the Lifestyle Policy gives you the peace of mind to look after your health and wellbeing. Already included in this policy are:

  • Private Ambulance
  • Maternity Cash Benefit
  • Tailored Cash Benefits
  • Treatment for Heart Conditions

With all our healthcare plans, you will have access to our extensive rewards platform, for wellbeing discounts & benefits.


The Plus Upgrade

Our Lifestyle Plus Upgrade includes all the benefits of Lifestyle as well as full coverage for out-patient consultation, specialist fees and diagnostics. This upgrade not only covers you in the UK, but if you require emergency medical treatment abroad, it has been specifically designed to meet the medical and transportation costs to get you back to the UK.

Lifestyle and Lifestyle Plus includes so much more. Get a quote for more details.

Over 1,000 UK Hospitals & Medical Facilities

General & Medical Healthcare have an extensive list of private hospitals and medical facilities, which we call our 'Participating Hospitals'; these are 'First Choice', 'Freedom' and 'Premium', giving you access to the most modern facilities available in the UK​.  Our 'Guided Care' option is designed to give you the care you need at the most cost-effective price, this includes all listed facilities.

First Choice

Freedom

Premium

General & Medical endeavour to make all published material correct at time of publication.

Buy your new health insurance policy with confidence

For over years, General & Medical Healthcare have been a driving force in delivering innovative health insurance solutions.

We are highly-rated by our many nationwide customers. Putting ‘People first...always is at the centre of everything we do. With us, you will receive a professional service and a personal touch.

Health Insurance Products Available To You

Put Your Trust in Us

General & Medical Healthcare maintain close links and collaboration with the medical profession. We are also the preferred provider for the Association of Surgeons of Great Britain and Ireland.

The private health insurance policies offered by General & Medical Healthcare aim to fund private medical treatment of acute conditions. The policies will cover the costs of eligible treatment within the UK, up to the limits of your chosen cover, by our recognised consultants, medical practitioners or therapists. The benefits can include cover for initial private consultations, in-patient, out-patient and day-patient investigations and treatment up to the limits of your chosen cover.

12 months unless specified otherwise. You will be sent your renewal documents before your scheme continues for another year. You should review the renewal documents to make sure the cover and policy remain suitable for your needs.

You may join a General & Medical Healthcare scheme as an individual from the age of 16 up to your 75th birthday. Once covered there is no upper age limit.

Children under the age of 16 must be added to an adults policy. Children are classed as a child up to their 21st birthday, or their 25th birthday if they remain in full time education. Proof of full time education must be provided.

You have a choice of payment method

  • Monthly by direct debit which is secure and an easy way to spread the cost over the year
  • Annually by direct debit, debit/credit card, BACS or cheque

No. Unlike some other insurance companies, we do not charge their clients extra, or any form of interest, to pay their premiums monthly. This is one more reason to choose General & Medical Healthcare.

Yes, unlike most other health insurers in the UK, at General & Medical Healthcare our health insurance can include cover for pre-existing conditions. We have a list of pre-defined conditions that you can include in your policy for an additional premium. Cover is subject to an annual limit of £1,000, and the annual limit will roll up £1,000 each year, to a maximum of £10,000 after ten years, providing there have been no claims made related to the pre-existing condition and cover has been continuously provided.

We review your premiums annually to reflect the overall cost of claims and medical inflation. Our schemes are priced using age bands, reflecting that people are more likely to claim as they get older. This means that you could see an age-related increase in your premium in addition to our general review. Your premium can be influenced by other factors such as the availability of new treatments, medical technologies and any claims made on your scheme.

We make switching simple.

When switching, if you wish to continue any existing underwriting terms established with your existing insurer, all you have to do is submit a copy of your current policy certificate of cover showing your underwriting terms from your existing insurer with your application.

If you or anyone on the policy will be undergoing treatment at the time of switching it is best to complete your course of treatment before switching, however if you let us know the details of your treatment, we may be able to facilitate continuation of your treatment* without interruption.

*Subject to the treatment plan being eligible under your chosen cover with us.

What's next?

You can get your health insurance quote online in only a few seconds by clicking "Get a quote" below - and within a few clicks, your application can be underway!

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Contact us

To find out more about our services, call or email our friendly team, who will be ready to assist you. (08:45 - 17:15, Monday - Friday)

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