Your Health, Your Choice:

Yes, absolutely. Having private medical insurance does not affect your right to use the NHS. In fact, many people use both — relying on the NHS for some services and private insurance for quicker or more convenient care.

It depends on the policy, but most plans include:

• In-patient and day-patient treatment (e.g. surgery or hospital stays)

• Specialist consultations

• Diagnostic tests and scans (like MRI or blood tests)

• Cancer treatment

Some policies also offer:

• Out-patient care

• Mental health support

• Physiotherapy

• Dental and optical cover

Yes you can, but some pre-existing conditions may not be covered, especially if you’ve had symptoms or treatment in the recent past. However, this varies by insurer. Callum can help you explore plans that offer the most suitable cover based on your medical history.

The cost depends on factors like your age, health, the level of cover, and any optional extras you choose. Basic plans can be quite affordable, and there are ways to reduce costs, such as choosing higher excess or limiting hospital lists. Callum can help you compare options to suit your budget.

Some policies have short waiting periods for certain treatments or conditions (especially for things like pregnancy or dental care). However, many benefits are available immediately, depending on your plan.

Yes! Most insurers offer family plans that cover you, your partner, and your children. These plans can be more cost-effective than separate policies and provide peace of mind for the whole household.

Once you’re insured, the process is usually simple:

1. See your GP (private or NHS) for a referral

2. Contact your insurer with your referral details

3. Get approval, then book your treatment

Callum can guide you through the claims process if you ever need support.