Health insurance

What are the types of health insurance in UK?

Many working expats choose to relocate to the UK, especially those from Commonwealth countries. Many people will have questions about the country’s healthcare system, such as its cost, what kind of treatment to expect and who is covered. Despite the fact that the National Health Service (NHS) offers a comprehensive public healthcare system, many Britons are opting for private health insurance to gain access to the country’s famous private hospitals.

You can use the information in this quick guide to learn more about the many types of health insurance, including our picks: UK health plan, and choose the best plan for your needs.

Medical care

There are many types of medical care in the UK.

All of these things are available in the UK, just like in many other wealthy countries. General practitioners often provide basic health care and, if necessary, refer patients to specialists. Community pharmacies, even if they are private, will have arrangements with their local health system to obtain medications prescribed by doctors.

Outpatient services are often free for people who need them in an emergency. Hospitals also have accident and emergency rooms. There are many groups of volunteers who help with these services, such as the British Red Cross, the St Andrews Ambulance Association and St John Ambulance.

Telehealth is growing in the UK, and the NHS is offering more options for elective medical help.

Insurance options


the NHS is not a health insurance system but rather a system based on where you live, not how much you pay. This means that all UK citizens, even those living abroad, can benefit from free services. Citizens of countries that have reciprocal healthcare agreements with the UK, including the EU and Australia, can also access NHS services while in the UK.

Foreign nationals can also use the NHS for free if they have lived in the UK for a long time and have been given permission to stay. All foreigners have access to emergency care and family planning. However, they will need to take out health insurance to access other services.

There has been a health supplement of at least £ 150-200 for people who stay in Britain for more than six months. If you are a third country national who has paid extra, you can use the NHS like everyone else. It costs more if you haven’t paid and don’t have medical insurance. If you get care it will cost you 150% of what the NHS usually charges. If you are not from a country with which the UK has a reciprocal healthcare agreement or if you have an exemption, you will not be able to stay in the country for free.

Private health insurance

Compared to other countries in Europe, a small number of people in the UK pay for private health insurance (about 10.5% of the population). However, there are some advantages to having private health insurance, especially if you get sick or get injured quickly.

Private patients can see specialists faster, don’t have to wait long and use better facilities. If you are getting private health care, you may not have to share a room with other patients.

Premiums are based on the level of coverage you choose, as well as your lifestyle, age, and any pre-existing medical conditions you have, and how much you have to pay.

You will have to pay part of the costs when using your insurance. Most plans work this way, which means you will have to pay some of the money you pay. Employees of many companies in the UK often have tax-free or subsidized health insurance as part of their benefits, but not everyone.

It’s also possible to pay once for private healthcare if you need a specific type of treatment or surgery for which the NHS has a long waiting list. However, depending on the type of treatment you need, this option can cost you dearly.

Types of private health insurance

  • Private: There are many doctors and private hospitals that can help you recover from a minor illness or injury. Faster recovery and a pleasant room.
  • Diagnostic insurance: It provides access to professionals and diagnostic tests to help you uncover your problems. Unlike commercial health insurance, it only covers testing, not treatment.
  • Treasury regimes: A low cost monthly subscription can cover most medical and dental expenses up to a limit.
  • Conditional insurance: If you’re willing to stay on the NHS for most of your care, you can supplement it with a low-cost private plan tailored to your condition. Like the Cancer and Physio Essentials programs.


Healthcare in the UK is great, but there is no one right answer for everyone. The easiest way to determine if you need public or private health insurance is to know your own condition and needs. Compare your options with a broker and choose based on need and budget.