Private Health Insurance
Faster Access to Private Healthcare
Private Health Insurance helps you access eligible private medical treatment more quickly, giving you greater choice over where and when you receive care.
Whether you’re looking to reduce waiting times, access specialist consultations, or enjoy greater flexibility in your healthcare, Private Health Insurance can provide valuable peace of mind for you and your family.
Everything You Need to Know About Private Health Insurance
Private Health Insurance helps cover the cost of eligible private medical treatment for new conditions that arise after your policy starts, subject to your policy’s terms and conditions. Depending on your level of cover, it may include specialist consultations, diagnostic tests, hospital treatment, surgery and other eligible medical services. Optional benefits may also include mental health support, physiotherapy, and dental or optical cover.
Why Private Health Insurance Is Worth Having
Private Health Insurance can provide faster access to eligible treatment, greater choice of healthcare providers, and flexible cover tailored to your needs, giving you and your family greater peace of mind.
Get faster access to eligible private medical treatment.
Choose from a wider range of hospitals and specialists.
Access eligible diagnostic tests, consultations, and medical services.
Choose cover options that suit your individual healthcare needs.
Enjoy added reassurance and support for you and your family.
Private Health Insurance vs NHS Healthcare
Both provide access to healthcare, but they work differently. NHS healthcare is funded through taxation and provides treatment based on clinical need, while Private Health Insurance can offer eligible private healthcare with shorter waiting times, greater choice of specialists, and additional treatment options, subject to your policy terms.
Who Can Apply for Private Health Insurance?
Eligibility varies between insurers and depends on your personal circumstances and healthcare needs. Providers typically consider the following factors when assessing your application and determining your premium.
- Your Age
- Medical History
- Lifestyle
- Smoking Status
- Level of Cover Required
Acceptance and premiums are subject to the insurer’s underwriting criteria.
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FAQ’s:
Home Insurance helps protect your property and belongings against insured events such as fire, flooding, storms, theft and accidental damage, subject to your policy terms.
Home Insurance may cover your property’s structure, personal belongings and liability for insured events. The level of cover depends on the policy you choose.
Buildings Insurance protects the structure of your home, while Contents Insurance protects the belongings inside it.
Most mortgage lenders require you to have Buildings Insurance in place before your mortgage completes.
No. Contents Insurance is not a legal requirement, but Buildings Insurance is usually required if you have a mortgage.
Combined Home Insurance includes both Buildings Insurance and Contents Insurance within a single policy.
Many Home Insurance policies include flood cover, although terms, conditions and excesses may apply.
Many policies provide cover for damage caused by escape of water, subject to the policy terms and exclusions.
Yes. Most Home Insurance policies cover theft and attempted theft, subject to policy conditions.
Accidental damage is often available as an optional extra, although some insurers include it as standard.
Many policies include subsidence cover, although specific terms, exclusions and excesses may apply.
Yes. High-value items such as jewellery, watches and artwork can often be insured, although some may need to be listed separately on your policy.
Premiums are influenced by factors such as your property’s location, rebuild cost, security, claims history, level of cover and chosen excess.
Yes. Tenants can arrange Contents Insurance to protect their personal belongings, while the landlord is usually responsible for Buildings Insurance.
Yes. Landlord Insurance is available for rental properties and can provide protection tailored to landlords’ needs.
Yes. Many insurers allow changes during the policy term, although revised premiums or administration charges may apply.
Contact your insurer as soon as possible after an insured event and provide any information or evidence requested to support your claim.
At Ample Mortgages, we compare Home Insurance options from a range of insurers, helping you find suitable cover that protects your home, your belongings and your peace of mind.