Personal Health Insurance - helping you to get well sooner

Choose your cover

No matter where you are in life, we have the perfect cover for you to choose from no matter if you’re taking it easy or pushing your body to the limit. Private health insurance is an investment in your future, so when the time comes where you need that extra bit of care, we’ve got you covered.

Free Health and Wellbeing

All of our Private Health Insurance policies come with free access to our Health and Wellbeing service meaning you’ll have access to a team of doctors, nurses, counsellors and specialists who are on hand to offer advice and reassurance when you need it. In addition, our online Health and Wellbeing web portal provides all the information you need to lead a healthier, more productive life including active programmes to help you achieve your fitness goals and ways to prevent or manage long-term conditions.


Essentials is ideal if you want to be diagnosed by the NHS but would like to receive your treatment quickly and privately once diagnosed. The Essentials product range covers you for:

✔  Initial diagnostic tests and consultations

✔  In-patient treatment

✔  Treatment for heart conditions

✔  Treatment for cancer

✔  Physiotherapy & complementary medicine


Find out about Essential Cover


Our Everyday range is perfect if you are looking for a more comprehensive cover but are still looking for an affordable price. The Everyday product range will provide cover for:

✔  In-patient benefits

✔  Treatment for cardiovascular conditions

✔  Physiotherapy & complementary medicine

✔  Extended treatment for cancer

Find out about Everyday Cover


The Lifestyle range is designed to give you peace of mind when it comes to private health treatment. With more inclusive benefit options, you and your family will benefit from:

✔ Initial diagnostic tests and consultations

✔  In-patient treatment

✔  Accident, life and illness cash benefits

✔  Non-UK Medical Cover

✔  24hr GP advice line

✔  Parking Charges


Find out about Lifestyle Cover


Elite is top of our range of Private Health Insurance products offering additional benefits and extended cover. Elite will cover you for:

✔  In-patient and out-patient diagnostics and treatment

✔  Heart and Cancer treatment

✔  Optical, dental and prescription costs

✔  Accident, life and illness cash benefits

✔  Non-UK Medical Cover

✔  Private GP services

✔  Prescription Costs

✔  Parking Charges

Find out about Elite Cover

Choice and convenience

The service we offer at General & Medical is centred around choice and convenience.

Appointments can be made at your chosen hospital within days of your GP referring you. If further investigations or surgery is needed, you can choose which hospital to attend and which consultant you wish to perform the procedure. Additionally, you can opt to undergo treatment at a date that suits you, fitting around life, family or work commitments.

Quality Care

General & Medical have agreements with hundreds of private hospitals throughout the UK. At these hospitals, you will typically have your own private room with en-suite facilities, excellent food and unrestricted visiting hours. You are also likely to have the same consultant dealing with you throughout your treatment and nursing staff with more time to dedicate to your personal care.

To see available medical facilities in your area, try our interactive UK Hospital Finder.

Managed Care

We allow you and your specialist to decide where and who treats you should you need to make a health-related claim. Insurers who require you to see a specialist they recommend may be limiting your choice of treatment. General & Medical allows you to stay in control.

Ways to reduce your Private Health Insurance premiums

Many customers consider lowering their premiums to meet budget constraints. For this reason, we have different products, providing the best levels of cover at affordable rates. We also offer different excess levels, from £75 to £3000, which will impact prices accordingly and choice of hospital that you may wish to be treated at.

A first-class claims service

We give a personal level of service to all clients. Telephone calls are never routed through a call centre or held in a queuing system. As a client of General & Medical Healthcare, you will be assigned a named Health & Care Support Specialist, fully trained in medical terminology and claims handling.

What do our clients say?

Don’t just take our word for it on the quality and variety of our service. Here’s what our clients have to say about General & Medical.

“I’ve been with General & Medical for nearly two years now, having previously been with another insurer. I have never received such first rate service. Not only are the customer relations team efficient and personable, but you nearly always deal with the same people, which greatly enhances the service as questions are understood and explained within the context of an ongoing claim. On more than one occasion they have considered my personal circumstances and made requests to the underwriters (voluntarily), which they had absolutely no obligation to do under the terms and conditions of my cover. Each time it has greatly helped with my treatment. I can honestly say it feels like the first step in my treatment and path to recovery is not with the practitioners, but instead begins with a phone call to General & Medical.”
“I want to thank General & Medical very much for all the help you have given me over my two new knees. The support I have had from your staff has been superb and I feel that you should know how good they have been. So very many thanks to General & Medical for such wonderful support and I am happy to be quoted on that!”

View all Customer Reviews


Please take the time to read about the choices available so that you get the cover you need. You can download our brochures or call us for further information, our contact details are here.

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