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What is Private Health Insurance?

Private Health Insurance, also known as Medical Insurance or Private Healthcare, offers you reassurance when it comes to your health. If you become ill then you will have fast access to treatment, meaning you can get better sooner.

It's been designed to cover the costs of the private medical treatment that you undergo. You’ll be able to skip NHS waiting times and choose from the list of private hospitals in your cover level. You could also enjoy a private en-suite room, giving you the privacy you need so you can focus on your health. Depending on your policy level you could be covered for:

In-patient treatment
Treatment that requires you to be admitted to hospital and occupy a bed during the day or to stay overnight or longer

Out-patient treatment
Given at a hospital, consulting room or out-patient clinic and doesn’t require you to occupy a bed as a day patient or in-patient

Cancer cover
Designed to be there in your time of need and support you by covering the costs of the cancer treatment you undergo

Further benefits
Can also include cash benefits, maternity benefits, dental and optical treatment, access to health services and rewards

Our Individual and Family Healthcare Plans

We are pleased to offer a wide range of products which have been designed to suit all needs and budgets, from our basic levels of cover to our more comprehensive health insurance plans. Take a look at our cover options below and get your instant health insurance quotes online today.

Private Health Insurance Benefits

There are numerous benefits of taking out health insurance for you and your family. At General & Medical, we’ve been providing private healthcare solutions for over 35 years!

Quick treatment

Skip NHS waiting lists

Private facilities

Specialist treatment


Control over your healthcare

A choice of hospitals

Quality care

Tailor your healthcare to suit your family and lifestyle

As well as providing you with high-quality medical insurance for the long term, you can also add optional extras to enhance your healthcare plan, or reduce your cover to suit your needs and budget.

Increase Your Cover
  • In-patient Mental Health - upgrade your cover to include in-patient mental health treatment if you are diagnosed with a psychiatric condition
  • Channel Island Cover - if you live in the Channel Islands you can choose to upgrade your policy which has been designed to offer additional benefits and supplement the treatment available to you
  • Pre-existing Conditions - cover up to two pre-existing conditions from our list of defined conditions for an additional premium
Reduce Your Premium
  • Excess Level - you can cut the cost of your premium by adding an excess to your policy. You can add an excess of £75, £100, £150, £200, £250, £500, £1000, £2000 or £3000
  • Underwriting Options - we have a choice of underwriting options available for you, whether you are transferring for a different scheme or are a new policyholder
  • Hospital Choices - we have an extensive hospital list of participating hospitals and you can reduce your premium by choosing our First Choice hospitals
Get a personalised quote

Who can Private Health Insurance cover?

Private Health Insurance Cover

We offer a wide range of bespoke Medical Insurance solutions. These have been designed to meet the needs of individuals, families, professional or amateur sports players and teams, associations, affinity groups and businesses large and small, both in the UK and Internationally.

With General & Medical, you can benefit from our Private Health Insurance cover as an individual from the age of 16 up to your 75th birthday. Once covered with us, there is no upper age limit. We can also cover your spouse, partner or children on one easy to manage policy.

If you would like to cover your children and they are under the age of 16, then they must be added to an adult Private Health Insurance policy. Children are classed as a child up to their 21st birthday, or their 25th birthday if they remain in full-time education.

Did you know that we also offer a Kids Go Free benefit? Just pay for yourself and your first child and any additional children go free!

Rewarding you and your family

We truly care about you and that’s why we’ve been established for over 35 years. We don’t just provide high quality healthcare policies at a low cost, we give you so much more! When you choose private medical insurance with us, you'll also get all of the following extra benefits included as standard and more.

Discounted Gym Membership

Free Additional Child Cover

NHS Cashback Option

Health and Wellbeing Support

24/7 Health and Wellbeing Support and 24 Hour GP Advice

Your health and wellbeing is important to us, and we want you and your family to have on hand support whenever you need it.

That’s why we’ll provide you with access to our complimentary 24/7 Health and Wellbeing Services. This has been designed to provide advice and support for personal and professional issues on a wide range of subjects. This includes telephone counselling, online health checks, self-help, medical information, lifestyle programmes and everyday support.

Our policies also include a 24 Hour GP Telephone Advice Line, providing convenient and unlimited access to Private GP telephone consultations. You'll receive quick and easy access to self-help advice, differential diagnoses where possible and treatment options.

This benefit also gives you access to an online Virtual GP Service, providing online consultations via video appointment. Using HD quality video, you can talk with one of the doctors either via mobile or desktop.

You'll also receive 1,000's of exclusive offers with our Lifestyle Rewards!

You and your family will have unlimited access to thousands of amazing offers and deals, including exclusive discounts from many well-known brands on and off the high street!

With new offers continually being introduced, you’ll find something suitable for everybody and be able to make fantastic cost savings across a range of different sectors.

Switching your healthcare?

If you already have Private Health Insurance in place, we can help you transfer and continue your cover with a range of underwriting options.

Health Insurance Claims

Switching Provider

We have a range of underwriting options to choose from.

Leaving a Company Scheme

Leaving a Company Scheme

It’s easy for you to continue your healthcare cover with us.

Health Insurance Quote

New To Health Insurance

Call us to discuss your requirements or get a quote online today.

We're here to help

Please read our literature to find out more about the Health Insurance plans that we can offer you and your family, or view our FAQ's and help pages.

What's next?

Our Private Health Insurance has been designed to suit all needs and budgets, take a look to see what covers we have available. You can also enhance your private healthcare cover to include certain pre-existing conditions, include in-patient mental health treatment and more.

Get a quote Find out more

Contact us

To find out more about how we can help you then give us a call and a member of our friendly team will be on hand to help out.

Request a callback